Timothy Moore Articles

• Homebuyers
• January 21, 2026

This Is How Much Your Mortgage Interest Rate Will Really Cost You

In honor of Financial Wellness Month, let’s explore how much mortgage rates really cost you in the long run—and how you can keep those costs down.

• Homebuyers
• January 16, 2026

A Competitive Edge: Why You Need a Pre-Approval Letter in a Hot Housing Market

If you’re hoping to buy a home, you’ll want to use every tool at your disposal to make your offer stand out. A mortgage pre-approval letter can be a competitive edge.

• Homebuyers
• January 2, 2026

Buy the Worst House on the Best Block with a Home Renovation Loan

A home renovation loan allows you to finance both the cost of the home and the cost of the remodeling and repair work with a single mortgage. This could potentially save you time and money.

• Homebuyers
• November 11, 2025

Making Homeownership More Accessible for Veterans: How to Access All the Benefits of a VA Loan

In a market where home prices remain high and mortgage rates can feel punishing, a U.S. Department of Veterans Affairs (VA) loan may be the key to unlocking homeownership for those who have served our country.

• Housing News
• October 13, 2025

Gen Z Has Entered the Chat: Here’s What They’re Looking for in a Home

It might feel like Generation Z is still in high school and years away from making adult decisions. But the oldest members of this generation are already 28, years into their careers, and buying their first homes.

• Homebuyers
• September 8, 2025

Forget the Myths You’ve Heard. If You’re Self-Employed, You May Still Be Able to Buy a Home

For many people, being self-employed is the dream. However, this can make it harder to get a traditional mortgage. That’s where non-QM loans come in.

• Homebuyers
• September 1, 2025

5 Ways to Lock In a Lower Mortgage Rate

There are ways homebuyers may be able to lock in a lower mortgage interest rate. They just have to get a little creative.

• Homeowners
• August 26, 2025

Thinking About Refinancing Your Mortgage? Here’s How to Know When It Makes Sense—And When It Doesn’t

Homeowners who got saddled with high interest rates since the start of the pandemic might see this as the perfect time to refinance their mortgage to a lower rate. But is it?

• Homeowners
• July 8, 2025

Launching a New Business? You May Want to Tap Into Your Home Equity to Cover Startup Costs

Many small business owners turn to traditional business loans or credit cards. But homeowners launching a new company have another option: a home equity loan.

• Homeowners
• June 10, 2025

Need Some Extra Money? Here’s When a Cash-Out Refinance Might Make Sense

Emergency expenses, major life events, debt consolidation, home improvements—real life can get expensive. A cash-out refinance may help.