Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart July 1, 2025

The Impact of Gender and Race on Mortgage Approval Rates

The mortgage approval process is a critical step in the path to homeownership. While lending guidelines are designed to promote fair and consistent evaluation, studies have shown that disparities persist based on gender and race. These differences raise important concerns about equal access to credit and the long-term effects on wealth building, community development, and financial equity in the United States.

Filed Under: Mortgage Tagged With: Fair Lending, Homeownership Access, Mortgage Equity

Emanuel Stewart June 27, 2025

From Pre-Approval to Closing What to Expect in the Mortgage Journey

June is National Homeownership Month, making it the perfect time to understand the full path to homeownership. If you are planning to buy a home, especially for the first time, knowing what to expect during the mortgage process can take away much of the stress. This guide walks you through each step and highlights how working with the right mortgage professional keeps everything on track.

Filed Under: Mortgage Tagged With: Mortgage Journey, National Homeownership Month, Pre-Approval To Closing

Emanuel Stewart June 26, 2025

How HomeReady and Home Possible Mortgages Open Doors During National Homeownership Month

June is National Homeownership Month, a time to spotlight the programs that make owning a home more accessible to more people. While many potential buyers believe they need perfect credit or a large down payment, programs like HomeReady(R) and Home Possible(R) prove otherwise. As a mortgage originator, I see firsthand how these affordable loan options can turn homeownership from a dream into a reality.

Filed Under: Mortgage Tagged With: Home Possible Loan, Home Ready Loan, National Homeownership Month

Emanuel Stewart June 6, 2025

How Property Taxes Impact Your Mortgage Payment

When buying a home, most people focus on the home price, interest rate, and monthly payment. But there’s another major factor that can significantly affect your mortgage: property taxes. These taxes can make your mortgage payment higher than expected and understanding how they work is key to managing your budget effectively.

Filed Under: Mortgage Tagged With: Escrow Account, Mortgage Tips, Property Taxes

Emanuel Stewart June 5, 2025

The Impact of Inflation on Mortgage Rates and Home Affordability

Inflation has made a loud and lasting entrance into our daily lives. From groceries to gas prices, everything seems more expensive. One of the most significant areas where inflation leaves its mark is in the housing market, particularly mortgage rates and home affordability. As inflation continues to fluctuate, many potential homebuyers are left wondering how it all connects, and what it means for their financial future.

Filed Under: Mortgage Tagged With: Home Affordability, Inflation Impact, Mortgage Tips

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