These include the following:Type of loanYour credit historyType of mortgageDebt-to-income (DTI) ratioLoan-to-value (LTV) ratioThe property typeEven if you have enough for the down payment, your lenders will require you to meet certain criteria before approving a home loan.

My advice: focus on building a strong financial foundation first save consistently, manage your credit, and educate yourself on real estate fundamentals.

Chicago is about to make history as it becomes home to one of the largest quantum computing campuses in the world.

Jonathan,Unlike credit cards with "Intro Rates", HELOCs are a standard banking product. 

Lowes rewards actually gives us more than a $50 tool rental credit and a flood of emails trying to hype their programs. 

And to @Jay Hinrichs's point, I see no safeguards for gators when teaching about gap funding, EMD funding, or any other tactic that they try and sell which tells you to get 0% interest credit cards and build business credit to be used to lend out.

They have zero accountability once you hand over your credit card.This is not specialized knowledge- it is free that you can find anywhere- free on social media, YouTube, bigger pockets, podcasts.

My credit is like 730

For example, my client recently tried to do a deed transfer, and when I reviewed the deed history and names they were proposed on the transfer - there were discrepancies.

Cancellation policy is full refund less cancellation fee of $200 and any credit card fee is cancelled greater than 60 days prior to arrival, 1/2 refund of total if cancelled 60-30 days prior to arrival and no refund if cancelled less than 30 days prior to arrival.