Mortgage 101

Home in Eastmark Mesa AZ Purchased With Mortgage – Ideal for Refinance
By Travis Erickson September 10, 2025
Lower refinance mortgage rates in Texas & Arizona after jobs report. See if you're eligible to save with cash-out or rate term refinance options today.
Mesa AZ mortgage lender helping clients with pre-approvals
By Travis Erickson September 3, 2025
Get pre-approved fast or refinance your home with a trusted mortgage lender in Mesa AZ. Bonelli Financial Group offers local expertise, great rates, and fast service
DSCR loan vs conventional mortgage comparison chartHow to calculate DSCR ratio for investment prop
By Travis Erickson August 27, 2025
Learn how to qualify for DSCR loans, calculate DSCR, and explore investment property financing with Bonelli Financial Group.
Close-up of a veteran signing VA loan documents for fast approval
By Travis Erickson August 20, 2025
Discover VA home loan benefits and myths. Learn facts about VA loan requirements, credit scores, and no down payment options for veterans in 2025.
Homeowner reviewing documents to get a home equity loan with poor credit from Bonelli Financial Grou
By Travis Erickson August 13, 2025
Struggling with credit? Learn how to get a home equity loan with poor credit. Bonelli Financial Group helps you unlock your equity, even with a low score
Homebuyer receiving fast mortgage approval online with Bonelli Financial Group in 2025
By Travis Erickson August 5, 2025
Need fast mortgage approval in 2025? Discover 5 expert-backed tips to speed up the home loan process and close quickly with Bonelli Financial Group.
Texas 50(a)(6) home equity loan illustration  Texas 50(f)(2) refinance mortgage process  FHA mortgag
By Travis Erickson July 30, 2025
Learn the difference between Texas 50(a)(6) cash-out loans and 50(f)(2) refinances. Discover which home loan option suits your needs with expert advice from Bonelli Financial Group.
What is the Difference Between a Conventional Loan and FHA?, What is Conventional Loan?
By Travis Erickson July 22, 2025
If you're planning to buy a home, you'll probably come across two major types of home loans early on: FHA loans and conventional loans. Both are popular, but they work differently. Understanding how each one functions can help you make better decisions and avoid unnecessary costs or complications.
real estate investor tax savings, real estate tax strategy, bonus depreciation 2025, rental property
By Joe Valenti July 14, 2025
On the United States’ 249th birthday, President Trump signed the One Big Beautiful Bill Act, a landmark update with significant implications for the real estate investing community. This bill changes how investors manage property tax write-offs, depreciation deductions, and real estate income taxes for the foreseeable
should I pay off a collection account, how collections affect credit score, how to remove collection
By Travis Erickson July 8, 2025
Wondering if you should pay a collection account? Learn how collections impact your credit score, when paying helps or hurts, and how Bonelli Financial Group can guide your next move.
will mortgage rates go up if Fannie Mae is privatized, Trump housing policy 2025, mortgage rates
By Joe Valenti June 20, 2025
Donald Trump recently announced that he has plans to transition Fannie Mae and Freddie Mac back into the private sector. Since the housing crisis of 2008, both FNMA (Fannie Mae) and FHLMC (Freddie Mac) have been subject to federal oversight. Critics of this potential restructure worry that it would result in an increas
mortgage broker near me, Texas mortgage brokers, Arizona mortgage brokers, mortgage calculator
By Travis Erickson June 17, 2025
When searching for a home loan, many borrowers focus solely on getting the lowest mortgage rates or finding the best mortgage calculator online. But the truth is, one of the most important decisions you'll make in the process is who you choose to work with — and not all lending professionals are held to the same standards. Whether you're a first time home buyer in Texas, exploring a home equity loan in Arizona, or simply comparing loan terms, understanding how Texas mortgage brokers and Arizona mortgage brokers operate can help you make smarter financial decisions.
mortgage companies in phoenix az, home loan phoenix, mortgage broker phoenix, home loans in az
By Travis Erickson June 12, 2025
Looking for the best mortgage companies in Phoenix AZ? Bonelli Financial Group connects you with trusted mortgage lenders in AZ for fast, flexible home loans. Contact us today!
home buyers, home values,  first time home buyer, is now a good time to buy a house
By Joe Valenti June 2, 2025
The U.S. housing market just hit a notable milestone: for the first time in over a decade, home sellers now outnumber buyers—and by the widest margin since 2012. According to Redfin, this marks a real turning point after years of tight inventory and intense buyer competition.
is a Heloc a Second Mortgage, 2nd mortgage vs heloc, heloc rates Vs mortgage rates
By Travis Erickson May 27, 2025
When homeowners look to tap into their home’s equity, they’re often faced with a wide range of options—and just as many questions. One of the most common questions we hear is: Is a HELOC a second mortgage? The short answer is yes—but with a few important caveats. In this blog post, we'll break down the key differences between a HELOC, a home equity loan, and other related products like reverse mortgages and closed-end second mortgages, so you can make an informed decision.
mortgage preapproval, home loan approval, best mortgage lender, mortgage, competitive housing market
By Travis Erickson May 21, 2025
If you're looking to buy a home, getting pre-approved for a mortgage should be your first priority. A mortgage pre-approval letter is more than just a piece of paper — it’s your ticket to standing out in today’s competitive real estate market. Whether you're a first-time homebuyer or upgrading to your next dream home, mortgage pre-approval shows sellers you mean business.
Federal Reserve meeting May 2025, interest rate decision impact on homebuyers and the economy
May 12, 2025
Learn how the Fed’s May 2025 rate decision could affect mortgage rates, homebuyers, and the economy. Stay informed with Bonelli Financial Group insights.
Unsolicited mortgage calls after credit inquiry – trigger lead explanation
May 8, 2025
Tired of getting mortgage calls after applying for a loan? Learn what trigger leads are and how the Homebuyers Privacy Protection Act could help protect your personal info.
FHA Energy Efficient Mortgage helping homebuyers save with energy upgrades and lower utility costs
May 1, 2025
Learn how the new FHA-backed energy efficiency program offers up to $13,000 in savings, lower mortgage rates, solar financing options, and federal tax credits for homebuyers.
Mortgage broker assisting clients with loan options and paperwork
By Travis Erickson April 28, 2025
Learn what a mortgage broker does and how they help clients find the right home loan, compare rates, and navigate the mortgage process.