Choosing a mortgage lender? Discover 7 important questions to ask about rates, fees, loan options, timelines, and communication before deciding.
-
Recent Posts
Recent Comments
Blog
Which home loans have the lowest down payments? Compare conventional, FHA, VA, USDA, and specialized mortgage options with as little as 0–3.5% down.
Learn what an adjustable-rate mortgage (ARM) is, how it works, and the pros and cons compared to a fixed-rate mortgage.
A temporary mortgage rate buydown can lower your initial monthly mortgage payments for a limited time. Learn how it works, who pays for it, and what happens when the buydown ends.
A temporary mortgage rate buydown can lower your initial monthly mortgage payments for a limited time. Learn how it works, who pays for it, and what happens when the buydown ends.
Your monthly mortgage payment may include more than principal and interest. Learn how principal, interest, taxes, insurance, and mortgage insurance can affect what you pay each month.
Mortgage rates are rising, but homebuyers still have options. Learn how your credit, loan program, home choice, and lender can impact the mortgage rate you qualify for.
Learn the difference between mortgage prequalification and preapproval, how each works, and which option may make sense before you start shopping for a home.
Don’t have a big down payment saved? Learn how down payment assistance works, who may qualify, and how DPA could reduce your upfront homebuying costs.
For many first-time homebuyers, the big question is: Should I use an FHA loan or a conventional loan? Both can help you buy a home, but they work differently and are better suited to different situations.
Page 1 of 7
BluPrint Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS #2893. NFM is an Equal Housing Lender. Some products and services may not be available in all states. Licensing and disclosure information can be found at https://nfmlending.com/licensing/
Corporate HQ
Follow Us
MAIN LINKS
Resources
- Delaware Mortage Lender
- District of Columbia Mortage Lender
- Florida Mortage Lender
- Georgia Mortage Lender
- Idaho Mortage Lender
- Illinois Mortage Lender
- Indiana Mortage Lender
- Kansas Mortage Lender
- Kentucky Mortage Lender
- Louisiana Mortage Lender
- Maine Mortage Lender
- Maryland Mortage Lender
- Massachusetts Mortage Lender
- Michigan Mortage Lender
- Minnesota Mortage Lender
- Mississippi Mortage Lender
- Montana Mortage Lender
- Nevada Mortage Lender
- New Hampshire Mortage Lender
© 2026 NFM Lending, LLC dba BluPrint Home Loans. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending. www.nfmlending.com. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
Equal housing lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Qualifying credit score needed for conventional loans. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal. For Arizona originators: AZ# BK-0934973. In Alaska, business will only be conducted under NFM Lending and not any of our affiliate sites.
Equal housing lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Qualifying credit score needed for conventional loans. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal. For Arizona originators: AZ# BK-0934973. In Alaska, business will only be conducted under NFM Lending and not any of our affiliate sites.