Bob Elliot

Senior Loan Officer

NMLS# 2657264

Bob Elliot Senior Loan Officer
FHA Affordable Lending Specialist

Blog

Credit Scoring Is Changing: 3 Things Homebuyers Should Know

    Quick, what credit score do you need to buy a home? If a number pops into your head, there's a pretty good chance it's wrong. And the right answer is getting harder to pin down, because Oct 30, 2026

VA Non-Allowable Fees: What Veterans Should Know

VA loans are well known for flexible down payment options, but one of their most valuable features gets less attention: limits on the fees veterans can be charged at closing. These rules are designed Oct 28, 2026

Why More Buyers Are Turning To Adjustable-Rate Mortgages Today

  When mortgage rates climb, buying a home can start to feel like trying to hit a moving target. Every jump in rates makes monthly payments bigger, and that pushes a lot of buyers to look for ano Oct 24, 2026

How Much Down Payment Do You Really Need?

Saving for a home can feel overwhelming, especially when you keep hearing that you need 20% down to buy. The good news is that for many buyers, that simply is not the case. Down payment requirements v Oct 21, 2026

The Biggest Credit Hurdle for Renters Who Want To Buy

What's the biggest payment you make every month? If you’re a renter, it's probably your rent.  But did you know that you can pay your rent on time, every time, for years, and it may never s Oct 17, 2026

New FHFA Loan Limits for 2027

Bigger loan limits. Bigger opportunities. That's the story unfolding right now in the mortgage world. Every year, the Federal Housing Finance Agency crunches the numbers from its Q3 House Price Index Oct 14, 2026