Homeowners/Buyers - The Reno Gal LLC

The Many Benefits of Renovation Mortgages: Transforming Homes and Communities

For many home buyers and homeowners, renovation mortgages offer a powerful solution to transform properties…

February 11, 2025

Should I Refinance My Mortgage?

As a homeowner, deciding whether to refinance your mortgage is one of the most significant…

December 29, 2024

Which Lenders Offer FHA 203(k) Loans?

If you're considering buying or renovating a home, you've likely heard of FHA 203(k) loans—an…

December 16, 2024

Understanding HUD’s Recent FHA 203(k) Loan Program Updates

In July, HUD announced several changes to its FHA 203(k) Rehabilitation Program, which take effect…

November 4, 2024

Weathering the Storm

Weathering the Storm: How Natural Disasters Impact Housing, What Homeowners Can Do, and Financing Options…

October 22, 2024

FHA 203(h) Loans for Presidentially – Declared Major Disaster Areas

In light of the growing number of natural disasters and their severe impact on housing,…

October 22, 2024

Why I Upgraded to a Metal Roof: Durability and Security

When I bought my house ten years ago, I knew roof replacement was in my…

September 15, 2024

SmartHomes: The Wave of the Future

I am an old-fashioned gal when it comes to technology. If you can believe it,…

September 12, 2024

Give Your Mortgage Lender Exactly What They Want

You’ve read my blog answering the question, “Why does my lender keep asking for so…

August 23, 2024

Carmel Magazine Featured Article – The Reno Gal

Carmel Magazine Featured Article - Ways To Use Your Home's Equity To Pay For Home…

June 6, 2024

7 Ways To Pay For Your Home Improvement Project

7 Ways To Pay For Your Home Improvement Project Are you planning a home improvement…

April 22, 2024

Why does my lender keep asking for so much paperwork?

You’ve just spent a couple hours getting together everything your mortgage lender has asked for:…

September 18, 2023

Four C’s of Underwriting

Have you heard of the four "C's" of underwriting? Some would consider this an old-school…

July 25, 2023

How To Write a Mortgage Letter of Explanation (LOE)

During the mortgage loan process, your lender may ask you for a letter of explanation (also…

July 10, 2023

Glossary of Mortgage Terms

Below is a list of commonly used terms in the mortgage industry. This is not…

July 5, 2023

HELP! I Locked In My Rate, Then Interest Rates Went Down

When applying for a mortgage, it’s difficult to know when to float your rate and…

June 20, 2023

What is a 203(k) Consultant?

Use of an FHA-approved 203(k) Consultant (f.k.a. HUD Consultant) is a requirement for FHA 203(k)…

June 10, 2023

Credit Scores, FICO Score, & How to Obtain Free Credit Report

You are thinking about buying a new home. For kicks, you search online to see…

June 5, 2023

Are FHA 203k Loans Still Available?

Short answer: Yes, FHA 203k loans are still available! FHA 203(k) Lenders There are tens…

May 6, 2023

What is Appraisal Gap Money?

Real estate agents nowadays are asking home buyers a new question: “Do you have appraisal…

April 5, 2023

3 Reasons Renovations Loans Are Not Ideal For Real Estate Investors

Many first-time real estate investors consider renovation loans as an option to help them build…

March 5, 2023

Where can I find a Contractor?

So, you’ve decided to take the plunge and remodel your home. You’ve spent the past…

February 5, 2023

The house I want to buy needs work. Can I still finance it?

Many real estate agents list fixer-upper houses with a note in the property description that…

January 5, 2023

Renovation Lending Blog for Homeowners and Buyers