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The CJMT Blog

Expert insights, practical guidance, and the latest mortgage and lending information to help you make confident decisions about buying, refinancing, and financing your home.

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Can You Buy a Home in Maryland, DC or Virginia If You Have Student Loans?

Student loans do not automatically prevent homeownership. Learn how repayment status and mortgage-program rules can affect qualification in Maryland, DC and Virginia.
  • Credit Tips, First Time Home Buyers
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FHA 203(k) vs. HomeStyle Renovation: Comparing Loans in Maryland, DC and Virginia

Compare Limited and Standard FHA 203(k) with HomeStyle Renovation, including project scope, budget, consultant requirements and planning questions for MD, DC and VA.
  • Education, Mortgage Planning, Renovation
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Bridge Loans in Maryland, DC and Virginia: Costs, Qualification and Buying Before Selling

Explore how bridge financing can help you buy before selling, with a worked equity example, qualification questions, costs and alternatives for MD, DC and VA homeowners.
  • Education, Home Buyer Strategy, Mortgage Planning
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Can You Combine Down Payment Assistance With Seller Credits?

See how down payment assistance and seller credits may work together, what restrictions to check and why a personalized cash-to-close estimate matters.
  • Closing Costs, Down Payment Assistance, Home Buyer Tips
Couple embracing in a home entryway beside moving boxes

Can I Rent Out My Current Home and Buy Another in Maryland, DC or Virginia?

Planning to keep your current home as a rental? Review mortgage qualification, cash reserves and the questions to ask before buying another home.
  • Home Buyer Strategy, Investment Properties, Mortgage Planning
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DC4ME VA Loan Program: 100% Financing and Closing-Cost Assistance in Washington, DC

The DC4ME VA Loan Program may offer eligible military-connected homebuyers 100% financing, no monthly mortgage insurance and DCHFA assistance equal to 3% of the loan amount toward eligible closing costs…
  • D.C. Assistance Program, Down Payment Assistance, Education, Mortgage Programs, VA Mortgage
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First Homes for First Responders and Teachers: New Maryland Mortgage Program

Maryland's new First Homes for First Responders and Teachers program combines a reduced first-mortgage rate with 5% down payment and closing-cost assistance.
  • Down Payment Assistance, Education, First Time Home Buyers, Maryland, Maryland Mortgage Program, Mortgage Programs
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New Fannie Mae Rental Income Rules: What Buyers and Investors Should Know

Updated October 14, 2026: Fannie Mae issued significant updates to its rental-income guidelines on September 2, 2026, and revised the required implementation date in its September 23 announcement. Lenders may…
  • Education, Home Buyer Tips, Investment Properties
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