From Evergreen
Plain-English guides on mortgages, refinancing, and homeownership in Pennsylvania — no jargon, no sales pitch.
Priced out on your own? How friends or family can co-buy a 1–4 unit home — single-family, duplex, triplex, or fourplex — use rent to qualify, and avoid the pitfalls.
Read the guideThe Fed raised rates a quarter point on September 16 — the first hike since 2023. What it means for mortgage rates, homebuyers, and homeowners.
Read the guideDSCR loans qualify you using a rental property's own income, not your personal tax returns. How the ratio works, and how these loans are structured.
Read the guideHow construction and mid-project rehab financing actually work for Pennsylvania investors — draws, interest reserves, and which one fits your project.
Read the guidePennsylvania's transfer tax isn't one number — it ranges from about 2% in most of the state to over 4.5% in Philadelphia. A clear, worked-example guide to knowing your actual number before closing day.
Read the guideA plain-English walkthrough of HECM reverse mortgages for Pennsylvania homeowners — how the numbers work, what it costs, and the counseling requirement nobody explains clearly.
Read the guideTraditional no-doc loans are gone, but legitimate alternatives exist. A clear explanation of how self-employed borrowers and asset-rich retirees actually qualify today.
Read the guideStay informed
Occasional, genuinely useful updates on rates and homeownership in Pennsylvania. No spam, ever.