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Explore a featured selection of my writing work below.
Direct Mortgage Loans •

What Is A Townhouse: Guide To Buying A Townhouse

Buying a home comes with a lot of decisions, including choosing the type of property that best fits your needs. Townhouses have become a popular option for homebuyers looking for something sized between a single-family home and a condo. If you’re considering a townhouse purchase, understanding what they are and how to finance one could help you feel confident as you take the next step. 
What is a townhouse? 
A townhouse, or townhome, is a multi-level property that shares one or more walls with n...
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When Is The Best Season To Buy A House?

Buying a home is one of the biggest decisions you’ll make and timing can play a key role in finding the right property at the right price. You may have heard that certain times of the year are better than others for house hunting, but the truth is, the best season to buy a house depends on your goals, local market conditions, and personal timeline. Whether you’re hoping to score a great deal, choose from a larger selection of homes, or enjoy a smoother buying process, understanding how each seas...
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Selling A House With A Mortgage: What You Need To Know

Selling a house while still paying off a mortgage is more common than you might think. Whether you’re relocating, upgrading, or simply ready for a change, you don’t have to wait until your mortgage is completely paid off to sell your home. Understanding how the process works is key to ensuring a smooth transaction; in this guide we’ll discuss topics like: covering your remaining loan balance, and handling closing costs – everything you need to know about selling a home with an existing mortgage....
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What Is Home Equity And How Does A Home Equity Loan Work?

Since a home equity loan is secured by the property, it is important to use the funds responsibly and ensure monthly payments are manageable. Home equity loans could provide financial flexibility for homeowners, but they should be used wisely. Some of the most common uses of a home equity loan include: Homeowners could increase their equity by making additional mortgage payments or increasing their property value through home improvements. Home equity could also increase from market appreciation...
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Direct Mortgage Loans Recognized as a Top Gold Lender by the DC Housing Finance Agency

Direct Mortgage Loans has been named a Top Gold Lender by the DC Housing Finance Agency (DCHFA)—a prestigious recognition that highlights the company’s commitment to helping homebuyers in Washington, D.C., achieve homeownership. This distinction places Direct Mortgage Loans (DML) among the top three lenders honored on the DCHFA Gold List, underscoring its expertise in facilitating DC Open Doors and HPAP loans. 
As a Top Gold Lender, Direct Mortgage Loans appears at the top of the lender rankings...
Direct Mortgage Loans •

Direct Mortgage Loans Named One of the Best Mortgage Companies to Work For in 2025

Direct Mortgage Loans has been recognized as one of the 2025 Best Mortgage Companies to Work For by National Mortgage News. This prestigious award highlights our commitment to fostering a positive work culture, prioritizing employee satisfaction, and supporting professional growth. 
The recognition is based on a comprehensive assessment that includes employee feedback and workplace policies, focusing on engagement, benefits, and overall job satisfaction. This honor reflects the hard work, collab...
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Can You Refinance An ARM Loan Into A Fixed Rate Mortgage?

When you first secured your adjustable rate mortgage (ARM), it might have seemed like a great choice with its lower initial interest rate. As time goes on and your rate adjustment period approaches, you may be wondering how to protect yourself from rising payments. Refinancing your ARM into a fixed-rate mortgage could be the solution, giving you financial stability and peace of mind. In this guide, we’ll walk you through how to refinance your ARM loan, the benefits, costs, and what to consider b...
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VA Loan Pre Approval Guide

For veterans and active-duty service members, securing a VA loan is a major step toward homeownership. Before you start house hunting, obtaining a VA loan pre approval is crucial. Pre approval helps determine your borrowing power, strengthens your position with sellers, and simplifies the home-buying process. This guide walks you through everything you need to know about VA loan pre approval, including how it works, why it’s important, and how to get started. 
What does VA loan pre approval mean...
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What Are Mortgage Interest Rates And How Do They Work?

When buying a home or refinancing, mortgage interest rates play a crucial role in determining how much you’ll pay overtime. These rates directly affect your monthly payment, loan affordability, and the total interest cost throughout your loan term. Whether you’re a first-time homebuyer or considering refinancing, understanding how interest rates work can help you make informed financial decisions.
What is mortgage interest? 
Mortgage interest is the cost charged by a lender for borrowing money t...
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What Is A Down Payment On A House?

Buying a home is an exciting milestone, but it also comes with important financial decisions—starting with the down payment. For many, the down payment is one of the most significant upfront costs in the homebuying process, and understanding how it works is essential. Whether you’re a first-time buyer or preparing for your next home purchase, knowing what a down payment is and how it impacts your mortgage can set you on the right path. 
This guide will walk you through everything you need to kno...
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Selling And Buying A House At The Same Time: A Guide

Navigating the real estate market can be challenging, especially if you’re selling and buying a house at the same time. With proper planning and informed decisions, you could make this process seamless. This guide will help you understand the pros, cons, and strategies to succeed in both selling and buying a home simultaneously. 
Should I sell my house before buying a new one? 
One of the first decisions you’ll face is whether to sell your current home before purchasing a new one. Each option co...
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What Is A Conventional Loan?

A conventional loan is a cornerstone of home financing, offering a pathway to homeownership that is both flexible and widely accessible. Whether you’re buying your first home, upgrading to a larger space, or investing in a rental property, conventional loans are designed to fit a variety of financial needs. Unlike government-backed options, these loans rely on private lenders and cater to borrowers with strong credit and stable incomes. Understanding how conventional loans work and their unique...
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Freddie Mac vs Fannie Mae: Understanding the Differences

Fannie Mae and Freddie Mac play vital roles in the U.S. housing market, but their similarities often lead to confusion. This guide will help you understand the differences between these two organizations and how they impact your mortgage options. 
What is Freddie Mac? 
Freddie Mac, formally known as the Federal Home Loan Mortgage Corporation (FHLMC), was established in 1970 to expand the secondary mortgage market. Freddie Mac purchases mortgages from lenders, bundles them into securities, and se...
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How Long Are Preapprovals Good For?

When buying a home, understanding the role of a mortgage preapproval is key to a smooth and successful journey. Preapproval provides a clear idea of your budget and also demonstrates to sellers that you’re a serious buyer. However, preapprovals don’t last forever. Knowing how long they’re valid, and what to do if they expire could make all the difference in your home-buying experience. This article answers your questions about preapprovals, extensions, and next steps to ensure you’re always prep...
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Direct Mortgage Loans Secures Spot On 2025 Scotsman Guide Top Workplace List!

Direct Mortgage Loans is excited to announce that we have earned a spot on the Scotsman Guide Top Workplace 2025 List. This continued recognition showcases our unwavering commitment to fostering a supportive and dynamic workplace, made possible through the dedication and hard work of our incredible DML family. 
Each year, the Scotsman Guide recognizes mortgage companies nationwide for creating outstanding workplace environments and fostering employee culture. Companies that demonstrate excellenc...
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USDA Loan vs FHA Loan: Which One is Right for You?

When deciding between a USDA loan and an FHA loan, understanding their key differences could help you choose the best option for your financial situation and homeownership goals. Both loans offer unique benefits; this guide will explore their features to help you make an informed decision. 
What is better, USDA or FHA? 
Picking the better loan depends on your specific needs and eligibility. USDA loans are ideal for those purchasing in rural areas and looking for no down payment. For example, a f...
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Single Parent Home Loans: Home Loans For Single Moms And Dads

Being a single parent often means managing financial responsibilities on a single income, which could make the prospect of buying a home feel daunting. However, there are specialized loan options and assistance programs available to help single moms and dads achieve homeownership. This guide explores the loan types, grants, and strategies which could make the dream of owning a home a reality for single parents. 
Are there home loans for single mothers or fathers? 
Yes, single mothers and fathers...
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Direct Mortgage Loans Congratulates Scotsman Guide’s 2025 Top Emerging Stars

Direct Mortgage Loans proudly announces that Caleb Hiester and Blake Hyatt have both earned spots on Scotsman Guide’s 2025 Top Emerging Stars list. This prestigious recognition honors outstanding mortgage professionals under 40 who are making a significant impact in the industry. 
Nominated during the 2024 Top Originators submission period, Caleb’s and Blake’s achievements reflect their dedication, expertise, and commitment to helping clients achieve their homeownership dreams. Their remarkable...
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First Time Home Buyer Loan Options and Programs

Buying your first home is an exciting milestone, but navigating the wide array of loan options and programs could feel overwhelming. Understanding these options is key to making informed decisions and finding the best fit for your financial goals. This guide breaks down the loan types, state-specific programs, and benefits available to first time buyers, helping you take confident steps toward homeownership. 
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