How Many Pay Stubs Do You Need for a Mortgage?
This is one of the most common questions we get: how many pay stubs do you need for a mortgage?
Is Now a Good Time to Buy a House in 2026? The Reality
Everyone keeps asking the same question right now:
Do You Really Need 2 Years of 1099 Income to Qualify for a Mortgage?
If you recently switched to 1099 income, you’ve probably heard this already:
Why Are Mortgage Rates Rising in 2026? What Buyers Need to Know
If you’ve been watching mortgage rates lately, you’ve probably noticed they haven’t been stable.
What Is a Non-QM Loan?
Most people buying or refinancing a home end up with what the mortgage industry calls a qualified mortgage, or QM. These are loans that meet the underwriting guidelines set by Fannie Mae, Freddie Mac, the FHA, or the VA. They are standardized, well-understood, and the lenders who make them can sell them into the secondary market. For the majority of borrowers with steady W-2 income, decent credit, and manageable debt levels, a qualified mortgage is the right tool. But a significant portion of creditworthy borrowers do not fit neatly into that box. Non-QM loans exist for them.
VA Loan Eligibility Requirements in 2026
VA loans remain the best mortgage product available for those who qualify. No down payment, no private mortgage insurance, competitive interest rates, and relatively flexible credit requirements. If you or your spouse served in the military and you are thinking about buying a home in Massachusetts, understanding what it takes to use your VA benefit is worth your time.
How to Buy a Home in Massachusetts with 3% Down
Spring 2026 is shaping up to be one of the more interesting buying seasons Massachusetts has seen in a few years. Rates have pulled back from the highs of late 2024, inventory is slowly improving, and there are real programs available right now that let qualified buyers get into a home with just 3% down. If you have been sitting on the sidelines waiting for some combination of rates, prices, and savings to line up, this is worth reading.