The HomePilot Blog

Mortgage guides, rate insights, and homebuying strategy from the HomePilot team.

Texas A6 Loan: 80% Cap, 2% Fee Limit, and Closing Checklist

Texas A6 Loan: 80% Cap, 2% Fee Limit, and Closing Checklist

Learn how Texas A6 loan rules cap borrowing at 80%, limit fees to 2%, and allow cancellation within three days. Get a Texas quote through HomePilot.

Secure U.S. Mortgage as a Foreign National With 40+ Wholesale Lenders

Secure U.S. Mortgage as a Foreign National With 40+ Wholesale Lenders

U.S. roadmap for foreign nationals seeking a mortgage: program choices, ITIN and FIRPTA pitfalls, closing checklists, and why 40+ wholesale lenders matter.

Get 40+ Quotes: Portfolio Mortgages for U.S. Investors

Get 40+ Quotes: Portfolio Mortgages for U.S. Investors

U.S. investors and self employed borrowers: when a portfolio mortgage beats a conforming loan, what it costs, and how to get 40+ wholesale quotes.

Close in 20 Days: Home Inspection vs Appraisal for U.S. Buyers

Close in 20 Days: Home Inspection vs Appraisal for U.S. Buyers

U.S. buyers: Learn how inspections and appraisals differ, how each affects your mortgage timeline and closing, plus steps to protect your loan.

Wire Fraud Checks: Escrow vs Title Company Across U.S. States

Wire Fraud Checks: Escrow vs Title Company Across U.S. States

Learn how escrow and title companies divide closing duties, how practices vary by state, and how to verify wire instructions to avoid real estate scams.

U.S. Buyers: Keep First Loan Under $832,750 With an 80-10-10

U.S. Buyers: Keep First Loan Under $832,750 With an 80-10-10

U.S. guide to 80-10-10 mortgages. See how piggyback loans avoid PMI, the refinance and HELOC risks, and compare total cost with HomePilot’s live wholesale...

FHFA Update: FICO vs VantageScore, Check Tri Merge Reports Before You Apply

FHFA Update: FICO vs VantageScore, Check Tri Merge Reports Before You Apply

FHFA now lets lenders use Classic FICO or VantageScore 4.0. Learn the tri merge checks, report fixes, and timing steps U.S. mortgage shoppers should follow.

Lock and Shop Mortgage: Disclosure Checks, 40+ Lenders for U.S. Buyers

Lock and Shop Mortgage: Disclosure Checks, 40+ Lenders for U.S. Buyers

U.S. buyers: a Lock and Shop checklist with the written disclosures to demand, and how HomePilot compares Loan Estimates from 40+ lenders.

Rapid Rescore: Raise Your U.S. Mortgage Score in 3 to 5 Days

Rapid Rescore: Raise Your U.S. Mortgage Score in 3 to 5 Days

Learn how a lender initiated rapid rescore can update credit in 3 to 5 business days, when it can change mortgage pricing, and how a licensed wholesale...

U.S. Homebuyers: FHA 75% vs Fannie 95% for Non Occupant Co-Borrowers

U.S. Homebuyers: FHA 75% vs Fannie 95% for Non Occupant Co-Borrowers

Compare FHA and Fannie rules for non occupant co-borrowers: why FHA often caps at 75% LTV while DU can allow 95% LTV. See the lender documentation...

620 Still Matters for U.S. Conventional Loans, Compare Wholesale Rates

620 Still Matters for U.S. Conventional Loans, Compare Wholesale Rates

2026 score models mean the old 620 baseline still matters. Learn what to ask lenders and how comparing wholesale quotes can cut your costs.

Offer Letter Mortgage in the U.S.: Rules, Reserves, 20-Day Close

Offer Letter Mortgage in the U.S.: Rules, Reserves, 20-Day Close

Learn when a signed job offer can qualify you for a U.S. mortgage. Agency rules, required documents, reserve tests, and a broker checklist to close faster.