--- title: Page 9 — Mortgage Tips & Homebuying Insights | NateLoans description: Nateloans's blog for sharing content related to real estate (9) --- [NateLoans](https://nateloans.com/) [About](https://nateloans.com/#about) [Loan Types](https://nateloans.com/#loans) [Calculators](https://nateloans.com/#tools) [How It Works](https://nateloans.com/#process) [Reviews](https://nateloans.com/#reviews) [Blog](https://nateloans.com/blog) [Contact](https://nateloans.com/#contact) [(617) 945-3632](tel:6179453632) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) The NateLoans Blog # Mortgage Tips, Rate Updates & Homebuying Insights Straight talk on mortgages from a loan officer who's done it for 10+ years. [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-rdne-7821708.jpg)](https://nateloans.com/blog/how-lenders-review-bank-statements) ## [How Lenders Review Your Bank Statements (And What They’re Looking For)](https://nateloans.com/blog/how-lenders-review-bank-statements) This is one people don’t expect until they’re already in the process. April 8, 2026 [Read More](https://nateloans.com/blog/how-lenders-review-bank-statements) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-artempodrez-6779570.jpg)](https://nateloans.com/blog/how-many-pay-stubs-do-you-need-for-a-mortgage) ## [How Many Pay Stubs Do You Need for a Mortgage?](https://nateloans.com/blog/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? April 7, 2026 [Read More](https://nateloans.com/blog/how-many-pay-stubs-do-you-need-for-a-mortgage) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-a-darmel-7641862.jpg)](https://nateloans.com/blog/is-now-a-good-time-to-buy-a-house-in-2026-the-reality) ## [Is Now a Good Time to Buy a House in 2026? The Reality](https://nateloans.com/blog/is-now-a-good-time-to-buy-a-house-in-2026-the-reality) Everyone keeps asking the same question right now: April 7, 2026 [Read More](https://nateloans.com/blog/is-now-a-good-time-to-buy-a-house-in-2026-the-reality) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/Gemini_Generated_Image_j3qivij3qivij3qi.png)](https://nateloans.com/blog/do-you-really-need-2-years-of-1099-income-to-qualify-for-a-mortgage) ## [Do You Really Need 2 Years of 1099 Income to Qualify for a Mortgage?](https://nateloans.com/blog/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: April 6, 2026 [Read More](https://nateloans.com/blog/do-you-really-need-2-years-of-1099-income-to-qualify-for-a-mortgage) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-anntarazevich-14751157.jpg)](https://nateloans.com/blog/why-are-mortgage-rates-rising-2026) ## [Why Are Mortgage Rates Rising in 2026? What Buyers Need to Know](https://nateloans.com/blog/why-are-mortgage-rates-rising-2026) If you’ve been watching mortgage rates lately, you’ve probably noticed they haven’t been stable. April 5, 2026 [Read More](https://nateloans.com/blog/why-are-mortgage-rates-rising-2026) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-karola-g-7679589.jpg)](https://nateloans.com/blog/what-is-a-non-qm-loan) ## [What Is a Non-QM Loan?](https://nateloans.com/blog/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. April 4, 2026 [Read More](https://nateloans.com/blog/what-is-a-non-qm-loan) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/Gemini_Generated_Image_p2r1vsp2r1vsp2r1.png)](https://nateloans.com/blog/va-loan-eligibility-requirements-in-2026) ## [VA Loan Eligibility Requirements in 2026](https://nateloans.com/blog/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. April 4, 2026 [Read More](https://nateloans.com/blog/va-loan-eligibility-requirements-in-2026) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/Gemini_Generated_Image_4sbgrl4sbgrl4sbg.png)](https://nateloans.com/blog/how-to-buy-a-home-in-massachusetts-with-3-down) ## [How to Buy a Home in Massachusetts with 3% Down](https://nateloans.com/blog/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. April 4, 2026 [Read More](https://nateloans.com/blog/how-to-buy-a-home-in-massachusetts-with-3-down) Copy - - [1](https://nateloans.com/blog/page/1) - [2](https://nateloans.com/blog/page/2) - [3](https://nateloans.com/blog/page/3) - [4](https://nateloans.com/blog/page/4) - [5](https://nateloans.com/blog/page/5) - [6](https://nateloans.com/blog/page/6) - [7](https://nateloans.com/blog/page/7) - [8](https://nateloans.com/blog/page/8) - 9 ## Ready to take the next step? Talk to Nate directly — no forms, no call centers, no runaround. [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) ### Book a Free Call Pick a time that works for you. It only takes a minute. 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All loans subject to credit approval. Rates and terms subject to change without notice.