What to Expect Next in Your Homebuying Journey🏡

Before the emails, the calls, and the closings… there’s this. 🐾 A quiet moment, surrounded by loyalty, warmth, and hearts that don’t ask for anything except love in return. Erin’s dogs are her constant through busy days and big milestones, they’re the calm in between it all. They’ve been there through every chapter, every challenge,…

From first step to final signature – Erin is with you all the way.

We are thrilled to announce that Erin Harper Home Loans was recently featured in the exclusive Porsche Magazine. This feature highlights our commitment to providing sophisticated, tailored mortgage solutions that align with the high standards and unique needs of clients purchasing luxury and custom properties. The Luxury of Expertise In today’s competitive market, financing a…

If you’re applying for a mortgage, you’ll often hear about something called your  DTI or  Debt-to-Income Ratio. But what exactly does that mean, and how does it affect your ability to get a loan? Let’s break it down using  Fannie Mae and Freddie Mac guidelines, and I’ll explain what counts toward your DTI and what doesn’t, so you…

One of the most common questions I get from homebuyers is: What does my credit score have to be to qualify for a mortgage? The short answer is that it varies—but there are some general guidelines that apply across the board. Let’s break it down using Fannie Mae and Freddie Mac guidelines, as well as FHA guidelines, so you can get…

When applying for a  joint mortgage,  lenders typically look at the credit scores of both borrowers. However, rather than taking the  highest score, the lender will generally use the  middle score of the lower borrower. Here’s a closer look at how it works: Fannie Mae and Freddie Mac (Conventional Loans): Lenders will use the  middle…

Closing costs  are fees associated with finalizing your mortgage and buying your home. Think of it as the “last step” of the process, and they can cover a variety of expenses. According to  Fannie Mae and Freddie Mac  guidelines, closing costs typically include: 1. Loan-Related Fees Origination Fees: These are fees charged by the lender to process…

This is a super common question I get, and the good news is—you probably need less than you think. Your down payment can vary depending on the type of loan you’re using, and whether you’re a first-time buyer, military, or buying a second home. Here’s a quick breakdown based on the most common loan programs:…

One common question that arises when people are considering applying for a VA loan  is whether they can add a parent  who is a veteran to the loan in order to qualify for the benefits of the  VA loan  program. While this might sound like a great idea, the answer is no. Here’s why, along with a more…