Lydia Kibet

Writer

Lydia is a writer with a knack for personal finance and all things money. She's passionate about explaining complex topics in easy-to-understand language. Lydia has covered a variety of finance topics, including investing, insurance, banking, credit cards, mortgages, real estate, loans, saving, and retirement.

Featured Published Articles

Easy to use USDA loan calculator to estimate the monthly payment; including real estate taxes, home insurance & monthly mortgage insurance (PMI)
Your FICO score is what mortgage lenders pull from the major credit bureaus to determine how risky you are as a borrower. But since every credit bureau uses a different FICO score variant, which FICO score do mortgage lenders use? The answer is a bit complicated. Most mortgage lenders blend the scores from Experian, TransUnion,…
When you apply for a mortgage, lenders will often use an AUS to analyze your application. Completely and partially automated underwriting systems are becoming more and more common. Learn what you can expect from the underwriting process.
FHA, VA, USDA, and conventional mortgages permit the seller to pay a percentage of your closing and escrow costs. But limits and restrictions apply!
When you’re buying a home, the mortgage you choose could mean the difference between saving thousands of dollars and quietly draining your wallet over time. Even small differences in interest rates and terms matter. At the center of this process is the mortgage loan originator (MLO). They’re one of the first professionals you’ll meet when…
A physician mortgage loan lets doctors buy a home with little or no down payment and relaxed student loan rules. See if you qualify.