Looking Ahead: 2026 Mortgage Trends and New Year Wishes from Access Capital Group
Happy New Year! As we enter 2026, the LoanGoal team at Access Capital Group would like to thank you for your continued trust. We’re excited about the opportunities ahead, including higher 2026 loan limits, the potential for lower interest rates, and a growing supply of homes. Now is a great time to plan, and we’re here…
Read More2026 Zero Down VA home loans with NO upper Loan Limits
Started in 2020 VA will no longer require a down payment on a house because the value is higher than the conforming loan limit. Zero Down VA loans NO loan limit Jan 1st 2020. Jan 1st 2026 the conforming VA loan limit is $832,750. You can have a VA zero down loan over $832,750, it…
Read More2026 Loan Limits for FHA Mortgages
2026 Loan Limits for FHA Mortgages The new forward mortgage loan limits in the table below are effective for FHA case numbers assigned on or after January 1, 2026. Notably, the maximum loan limits for FHA forward mortgages will rise in 3,151 counties. Property Size Low-Cost Area “Floor” High-Cost Area “Ceiling” Alaska, Hawaii, Guam, and…
Read More2026 Loan Limits for Conventional Mortgages
Conventional – Loans closed on or after Jan 1st 2026: The Federal Housing Finance Agency (FHFA) has issued the following maximum first mortgage loan limits that will apply to conventional loans for acquisition by Fannie Mae / Freddie Mac with a note date on and after January 1, 2026. 2026 Conventional Loan Limits Units Conforming…
Read MoreCommon VA & FHA Loan Questions—Answered the LoanGoal Way
At LoanGoal.com, we speak with homebuyers every day who were told “no” elsewhere—often incorrectly. VA and FHA guidelines are far more flexible than many lenders admit, especially when manual underwriting is applied correctly. Below are the most common VA and FHA questions we receive, answered based on actual VA and HUD guidelines, not lender overlays.…
Read MoreExpert Answers to Your VA Home Loan Questions & The Power of Manual Underwriting
Are you a Veteran or active-duty service member looking to use your home loan benefit in 2025? Whether you’re in Texas, Florida, California, or anywhere across the U.S., the rules for VA home loans are more flexible than many realize. At Access Capital Group, Inc., we receive daily questions from borrowers nationwide who have been told…
Read MoreYour Top Loan Questions Answered by LoanGoal.com
Accessing the right loan can be a significant step towards achieving your financial goals. However, understanding the requirements and the process can sometimes seem complicated. At LoanGoal.com, we specialize in helping individuals navigate the loan process. We are proud to offer our services across the 18 states where we lend, operating from our headquarters in Phoenix, Arizona. Here…
Read MoreStrategies to Quickly Raise Your Credit Score for Homeownership
A higher credit score is your key to better mortgage rates and easier loan approval. At Access Capital Group, we help borrowers across the United States navigate the path to homeownership, even if their credit isn’t perfect right now. While we offer flexible lending options (like VA and FHA loans with scores as low as 500),…
Read More7 First-Time Homebuyer Tips Every Buyer Should Know — And How LoanGoal’s VA & FHA Loans Make Homeownership Possible Nationwide
Buying your first home is exciting — but it can feel intimidating if you don’t know where to start. The California Department of Financial Protection & Innovation (DFPI) recently shared “7 Tips for First-Time Homebuyers”, offering smart guidance for anyone looking to purchase a home in today’s market. Whether you’re buying in California, Florida, Texas,…
Read MoreHow First-Time Homebuyers Can Win in 2025 — Nationwide Trends & How VA and FHA Loans Boost Buying Power
A national market update for first-time buyers navigating today’s housing challenges. Buying your first home in 2025 can feel overwhelming — housing costs, limited inventory, and investor competition make the journey tough. But new nationwide data from Neighbors Bank (via Realtor.com) shows first-time buyers are still purchasing nearly 7 out of 10 starter homes across…
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