Emanuel Stewart - Reliant Home Lending

  • Home
  • About
  • Blog
  • Mortgage Info
    • FAQ
    • First Time Home Buyer Tips
    • First Time Home Seller Tips
    • Closing Costs
    • Home Appraisal
    • Home Inspection
    • Loan Checklist
    • Loan Process
    • Loan Programs
    • Mortgage FAQ
    • Mortgage Glossary
  • Resources
    • Links
    • Forms
  • Apply
  • Contact

Emanuel Stewart August 27, 2025

Is Homeownership Still the American Dream?

Buying a home is more than a place to live, it is a path to financial growth, every mortgage payment builds equity, giving homeowners a valuable asset over time, unlike renting where monthly payments go to a landlord, homeowners are investing in their future, with the right mortgage strategy, owning a home can be one of the smartest financial moves you make.

Filed Under: Home Buyer Tips Tagged With: American Dream, Homeownership, Mortgages

Emanuel Stewart August 20, 2025

How to Qualify for a Mortgage While Carrying Credit Card Debt

Many potential homebuyers worry that carrying credit card debt will prevent them from qualifying for a mortgage. While it is true that lenders carefully evaluate your financial profile, having credit card balances does not automatically disqualify you. By understanding how lenders view debt, taking strategic steps to improve your application, and choosing the right mortgage program, you can still achieve your goal of homeownership.

Filed Under: Home Buyer Tips Tagged With: Credit Card Debt, Homeownership, Obtaining a Mortgage

Emanuel Stewart May 15, 2025

Why Your Mortgage Has an Escrow Account and How It Works for You

When you close on a home loan, you’ll likely hear the term “escrow account” mentioned–and if you’re like most buyers, you may not be entirely sure what it means. While it might sound complicated, an escrow account is a helpful tool that simplifies homeownership and protects your investment.

Filed Under: Mortgage Tips Tagged With: Escrow Account, Homeownership, Mortgage Tips

Emanuel Stewart April 22, 2025

The Pros and Cons of Using Gift Funds for Down Payments

For many homebuyers, especially first-time buyers, saving for a down payment can be one of the biggest hurdles to homeownership. Fortunately, gift funds, money given by family members, close relative, or even an employer can help bridge the financial gap. While using gift funds can make homeownership more attainable, there are important benefits and potential drawbacks to consider before relying on them.

Filed Under: Homeowner Tips Tagged With: Down Payments, First Time Buyer, Homeownership

Emanuel Stewart March 25, 2025

Navigating Mortgages as a Self-Employed Professional

Securing a mortgage as a self-employed professional can be more challenging than for traditional W-2 employees, but with the right preparation and documentation, it is entirely achievable. Here’s a guide to help you navigate the process.

Filed Under: Mortgage Tagged With: Financial Planning, Homeownership, Mortgage Tips

  • 1
  • 2
  • 3
  • 4
  • Next Page »

Emanuel Stewart Photo

Contact Emanuel


Mortgage Broker

Call (225) 313-6189

NMLS ID 107678

Reliant Home Lending

Connect with Me

Let’s Keep In Touch!

  • This field is for validation purposes and should be left unchanged.

Logos BBB Accredited

Quick Links

  • About Us
  • Accessibility Statement
  • Blog
  • Contact

Equal Housing Lender

NMLS Consumer Access

BBB accredited business

Previous Posts

Categories

Looking For Something?

Our Location


Reliant Home Lending
8550 United Plaza Boulevard Suite 702
Baton Rouge, LA 70809

Return to top of page

Copyright © 2025 Emanuel Stewart – Reliant Home Lending. All rights reserved.   Log In