by Ballard Team | Aug 27, 2025
When buying a home, one of the first decisions you’ll make is whether to purchase a condominium or a single-family home. Beyond lifestyle and location, the type of property you choose directly affects the mortgage loan process. Lenders view condos and single-family...
by Ballard Team | Jun 9, 2025
You’ve submitted your initial mortgage application, completed the necessary paperwork, and even had your home appraised. Now, you find yourself at the crucial stage of the loan process – underwriting. This is where the underwriter, acting as a gatekeeper for the...
by Ballard Team | Feb 20, 2024
When it comes to buying a home, which could be one of the biggest investments you make, it’s important to understand your financing options. While a Conventional loan is more traditional, FHA loans have seen a rise in popularity due to more flexible guidelines. Let’s...
by Ballard Team | Feb 12, 2024
For aspiring homeowners and first-time buyers, many questions can arise about the mortgage process. What credit score do you need to qualify? How much down payment is required? Answers are based on several factors including the property, purchase price, and, most...
