Low Income Home Loans and Housing Programs in 2024

By: Gina Freeman Updated By: Ryan Tronier Reviewed By: Paul Centopani
January 26, 2024 - 24 min read

Buying a house with low income is possible

While the dream of homeownership might seem elusive on a tight budget, the availability of low income home loans offers a beacon of hope.

These specialized loans come in handy, particularly when the obstacles of saving for a down payment loom large—a common hurdle if you’re already strapped with rent payments.

So if you’re wondering how to bridge the financial gap between renting and owning, read on to explore the various low income home loan programs that could unlock the door to your future home.

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Can I buy a house with low income?

Yes, you can buy a house with a low income by qualifying for housing assistance programs and special mortgage loans. That’s because there is no minimum income requirement to buy a house.

However, your ability to do so will depend on a variety of factors specific to your financial situation. A mortgage lender will examine your credit score, debt-to-income ratio, and down payment to determine if you qualify.

Check your mortgage eligibility. Start here

What are low income home loans?

The path to homeownership can be fraught with challenges, particularly for those with limited financial resources. Enter low income home loans—a specialized type of mortgage designed to level the playing field for buyers facing financial barriers.

Low-income mortgage programs focus on addressing the common challenges that low-income earners encounter, such as managing debt, maintaining less-than-stellar credit scores, and struggling to save for a significant down payment.

Verify your home buying eligibility. Start here

  • Minimal down payment requirements: One of the most daunting aspects of buying a home is accumulating a large down payment. Low income home loans often require smaller down payments, making it easier for buyers to make the initial leap.
  • Lenient credit criteria: Having a perfect credit score is not always feasible, especially when living on a limited income. These loans often have more flexible credit requirements, allowing for a broader range of credit histories.
  • Reduced costs at closing: High closing costs can be another hurdle. Low income home loan programs may offer reduced or even waived closing costs in certain circumstances.
  • Competitive mortgage interest rates: High interest rates can quickly make a mortgage unaffordable. Low income home loans often feature competitive interest rates, reducing long-term costs.
  • Lower mortgage insurance premiums: Some programs offer reduced premiums for mortgage insurance, further lowering monthly payments.

Interestingly enough, some of these programs often have income caps, essentially barring applicants who have incomes that are considered too high. This ensures that the programs benefit those who need them most.

Requirements for low income home loans

Your ability to qualify for a loan is not solely based on your income. Lenders will assess your debt-to-income (DTI) ratio, a key metric that represents your monthly debts as a percentage of your monthly income. Generally, a DTI under 35% is viewed as favorable, making you a more appealing candidate for a mortgage.

If saving a down payment is your chief concern, don’t worry; there are plenty of options that require minimal, or sometimes zero, down payments. Despite common misconceptions, a 20% down payment is not a universal requirement.

Home buyer assistance

Beyond the loan itself, there are various home buyer assistance programs that can help with the down payment and closing costs. Some of these are structured as grants that don’t require repayment, making it easier to achieve the dream of owning a home.

Navigating the complexities of mortgages and home buying can be intimidating, but low income home loans and assistance programs offer a lifeline to those who dream of owning their own home. These financial products and services are tailored to alleviate the most common obstacles, offering a viable path to homeownership for those who may have thought it was out of reach.

Low income home loans

Low income home buyers have plenty of loan options and special assistance programs to help with a home purchase. Here’s what you can expect.

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Loan TypeCredit ScoreDown PaymentUnique Requirements
HomeReadyGenerally 620As low as 3%Income limits based on area, home buyer education course required
Home PossibleGenerally 660As low as 3%Must be primary residence, income limits may apply, can include 1-4 unit properties
FHA Loans580 for 3.5% down, 500 for 10% down3.5% with a 580+ score, 10% with a 500-579 scorePrimary residence required, mortgage insurance necessary
VA LoansVaries by lender, often 580+No down payment requiredMust be a qualifying service member, veteran, or eligible spouse; primary residence only
USDA LoansUsually 640No down payment requiredMust be in a qualifying rural area, income limits apply, primary residence only

HomeReady and Home Possible mortgages

Fannie Mae’s HomeReady program and Freddie Mac’s Home Possible loan are geared toward lower-income home buyers. You need only 3% down to qualify, and there is no minimum “required contribution” from the borrower. That means the money can come from a gift, grant, or loan from an acceptable source.

Even better, the home seller can pay closing costs worth up to 3% of the purchase price. Instead of negotiating a lower sales price, try asking the seller to cover your closing costs.

Private mortgage insurance (PMI) may also be discounted for these low income home loans. You’re likely to get a lower PMI rate than borrowers with standard conventional mortgages, which could save you a lot of money from month to month.

“This is the biggest benefit,” says Jon Meyer, loan expert and licensed mortgage loan originator. “The PMI is offered at a lower rate than with a standard conventional loan.”

Finally, Home Possible and HomeReady might make special allowances for applicants with low incomes. For instance, HomeReady lets you add income from a renter on your mortgage application, as long as they’ve lived with you for at least a year prior. This can help boost your qualifying income and make it easier to get financing.

You might qualify for HomeReady or Home Possible if your household income is below local income limits and you have a credit score between 620 and 660.

FHA loans

FHA loans offer flexible approval requirements for repeat and first-time home buyers alike. This program, which the Federal Housing Administration backs, relaxes borrowers’ standards to get a mortgage. This can open up the home-buying process to more renters.

  • You might be able to get an FHA home loan with a debt-to-income ratio (DTI) up to 45% or a credit score as low as 580 while paying only 3.5% down
  • Select FHA lenders even allow credit scores as low as 500, provided the buyer can make a 10% down payment

Thanks to these perks and others, the FHA loan is one of the most popular low-down-payment mortgages on the market.

Check your FHA loan eligibility. Start here

VA loans

Department of Veterans Affairs-backed VA loans provide military home buyers with a number of advantages.

  • No down payment requirement. You can finance 100% of the purchase price. You can also refinance 100% of your home’s value using a VA loan
  • No mortgage insurance. But you will pay a one-time VA Funding Fee. You can wrap it into the loan amount.
  • No minimum credit score. Although lenders are allowed to add their own minimums. Those that do often require a FICO score of at least 580 to 620.
  • Sellers can pay up to 4% of the purchase price in closing costs. So if you find a motivated seller, you could potentially get into a home with nothing out of pocket

If you’re a veteran, active-duty service member, or surviving spouse, the VA mortgage program should be your first stop.

Check your VA loan eligibility. Start here

USDA loans

If you’re not buying in a large city, you may qualify for a USDA home loan. Officially called the Single-Family Housing Guaranteed Loan Program, the USDA loan was created to help moderate- and low-income borrowers buy homes in rural areas.

With a USDA loan, you can buy a home with no money down. The only catch is that you must buy in a USDA-approved rural area (though these are more widespread than you might think). You can find out if the property you’re buying is located in a USDA-eligible rural area and whether you meet local income limits using the USDA’s eligibility maps.

Your monthly payments might be cheaper, too. That’s because interest and mortgage insurance rates are typically lower for USDA loans than for FHA or conforming loans.

There are two types of USDA loans.

  • The Guaranteed Program is for buyers with incomes up to 115% of their Area Median Income (AMI)
  • The Direct Program is for those with incomes between 50% and 80% of the AMI

Standard USDA-guaranteed loans are available from many mainstream lenders. But the Direct program requires borrowers to work directly with the U.S. Department of Agriculture.

You typically need a credit score of 640 or higher to qualify.

Check your USDA loan eligibility. Start here

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Low income home-buying programs

If you’re uncertain whether you qualify for any low income home loans, you do have other home buying options. There are also a number of low income home-buying programs that offer help to make homeownership more accessible.

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ProgramDescriptionWho Is Eligible
Hud HomesDiscounted homes sold by the Department of Housing and Urban Development.Low- to moderate-income families, with preference for those who will make it their primary residence. May include single-family homes.
Housing Choice Voucher ProgramVouchers to subsidize the cost of housing in the private market.Low-income families; must meet income and other criteria set by state and local housing programs.
Good Neighbor Next DoorSignificant discounts on homes for teachers, firefighters, police officers, and EMTs.Must commit to living in the property as a primary residence for at least 36 months. Includes single-family homes.
HFA LoansLoans offered by state Housing Finance Agencies with reduced interest rates and down payment assistance.First-time or repeat buyers with low to moderate incomes must meet income requirements. Often, it must be a primary residence.
Down Payment AssistanceGrants or loans to cover the down payment and sometimes closing costs.Typically for low- to moderate-income families, though criteria can vary by program. Often for single-family homes.
State or Local AssistanceVarious grants, loans, or tax credits are offered at the state or local level.Eligibility varies but usually targets low- to moderate-income families. May include single-family homes.
Mortgage Credit CertificatesTax credit to reduce federal income tax liability.First-time home buyers who meet income requirements; must be primary residence.
Manufactured and Mobile HomesLoans or grants specifically for manufactured or mobile homes.Low- to moderate-income families; must meet criteria set by specific housing programs. Usually must be primary residence.

HUD Homes

When the FHA forecloses on homes, those properties are often put up for sale as HUD Homes. And, you can generally purchase one at a steep discount. To qualify for a HUD Home, it will need to be your primary residence for at least 12 months. Additionally, you must not have purchased another HUD in the past 24 months.

Keep in mind that HUD Homes are sold as-is. Many are fixer-uppers. Moreover, HUD Homes are purchased through a bidding process. You’ll need a real estate agent or mortgage broker licensed with HUD to bid on an FHA property.

You can find HUD Homes on the official HUD website, hudhomestore.com. There, you’ll see all HUD real estate owned (REO) single-family properties in your area.

Good Neighbor Next Door

The Good Neighbor Next Door program offers unique benefits for nurses, first responders, law enforcement officers, and teachers. If you’re eligible, you can buy HUD foreclosure homes at a 50% discount. Use an FHA mortgage, and you only need $100 for a down payment.

You can find the homes on the U.S. Department of Housing and Urban Development website. You’ll also need a HUD-licensed real estate agent to put your offer in for you.

If your offer is accepted and you qualify for financing, you get the home. The 50% discount makes homeownership a lot more affordable. However, be aware that this discount is actually a second mortgage. But it has no interest and requires no payments. Live in the home for three years, and the second mortgage is forgiven entirely.

Compare low income home loans with multiple lenders. Start here

HFA home loans

Not to be confused with FHA loans, HFA loans are offered in partnership with state governments and local Housing Finance Authorities.

Many HFA loans are conventional mortgages backed by Fannie Mae and Freddie Mac. They may require as little as 3% down, and many HFA programs can be used with down payment assistance to reduce the upfront cost of home buying.

Borrowers who qualify for an HFA loan might also be in line for discounted mortgage rates and mortgage insurance premiums. To qualify, you’ll typically need a credit score of at least 620. But eligibility requirements vary by program.

Find and contact your state’s public housing finance agency or authority to learn more and see if you qualify. Also, be aware that this type of loan program will require additional approval steps that may make loan closing take longer.

State and local down payment assistance programs (DPAs)

Down payment assistance is exactly what it sounds like. It provides help with down payments on home purchases and often closing costs. Government agencies, nonprofits, and other sources commonly offer down payment and closing cost assistance. They are usually in the form of a grant or loan (though the loans may be forgiven if you stay in the house for five to ten years).

Most DPA programs target low-income home buyers and have guidelines that make qualifying easier. Some, however, provide assistance to people who buy in “underserved” or “redevelopment” areas, regardless of income. Many DPA programs offer assistance worth tens of thousands of dollars.

Talk to a lender about your options. Start here

Mortgage Credit Certificates (MCCs)

Mortgage credit certificates (MCCs) can stretch your home-buying power. If you meet income requirements, you could get a tax credit equal to some percentage of your mortgage interest. Lenders are allowed to add this credit to your qualifying income when underwriting your mortgage. This allows you to qualify for a higher mortgage amount than you otherwise could.

There are numerous states, counties, and cities that issue mortgage credit certificates, and their regulations and amounts vary greatly. Check with your local housing finance authority to find out whether MCCs are available where you live.

Housing Choice Voucher Program

The Housing Choice Voucher homeownership program (HCV) provides both rental and home buying assistance to eligible low-income households. Also known as Section 8, this program allows low-income home buyers to use housing vouchers to purchase their own homes.

Because local public housing agencies run these voucher programs, eligibility varies depending on location. Still, you’ll likely need to meet the following requirements:

  • Program-specific income and employment conditions
  • Being a first-time home buyer
  • Completing a pre-assistance homeownership and counseling program

Keep in mind that not all states offer voucher programs, and some programs have waiting lists. Also, these programs could limit how much you can sell the home for later on. To find out if your area offers a participating program, use the HUD locator web tool.

Manufactured and mobile home loans

A manufactured home usually costs less than a traditional, site-built home. When placed on approved foundations and taxed as real estate, manufactured homes can be financed with mainstream mortgage programs.

Many programs require slightly higher down payments or more restrictive terms for manufactured homes. HomeReady, for example, increases the minimum down payment from 3% to 5% if you finance a manufactured home. Other programs require the home to be brand new.

Additionally, there are often requirements regarding the year the home was built and the property’s foundation. These guidelines will vary between lenders. Mobile homes that are not classified as real estate can be purchased with personal loans like the FHA’s Title 2 program. These are not mortgages because the homes are not considered real estate.

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How to get a low-income home loan

Securing a low-income home loan may seem complex, but by following these steps, you can navigate the process with confidence. Here’s what you need to know to get started on your journey to homeownership.

Step 1: Assess your financial health

Before applying for a low-income home loan, you should have a solid understanding of your financial situation. This includes your credit score, monthly income, debt-to-income ratio, and savings for a down payment. Knowing these factors will help you understand what type of loan you qualify for and how much you can afford.

Further assessing your financial health involves examining your spending habits, existing debts, and credit history. This comprehensive view helps in creating a realistic budget that aligns with your goal of homeownership.

Step 2: Explore loan options

There are various types of low income home loans available, each with its own requirements and benefits. Research each option to determine which home loan aligns best with your financial situation and homeownership goals.

For example, a USDA loan might be ideal for those looking to purchase in rural areas, whereas a VA loan provides excellent terms for veterans and active military personnel.

Step 3: Gather necessary documentation

When applying for low income home loans, you will need to provide documentation such as proof of income, employment verification, tax returns, and pay stubs. Having these documents prepared in advance can expedite the loan approval process.

Step 4: Find a lender

Choose a lender experienced in low income home loans. They can guide you through the application process and help you understand the terms and conditions of your loan. Compare rates and fees from multiple lenders to ensure you get the best deal.

Compare low income home loans from multiple lenders. Start here

Home buyers who compare lenders can save between $600 and $1,200 on their mortgage payments each year, as evidenced by a Freddie Mac survey. For example, on a $200,000 mortgage, the difference between a 7% and a 7.5% interest rate amounts to approximately $20,000 in additional interest costs over a 30-year loan term.

Step 5: Complete home buyer education courses

Many low income home loan programs require applicants to complete home buyer education courses. These courses provide valuable information about the home buying process, managing finances, and maintaining homeownership.

These courses equip buyers with the knowledge to make informed decisions about the different types of mortgages and the impact of varying interest rates on their finances.

Step 6: Apply for the loan

Once you’ve completed the above steps, you’re ready to apply for the loan. Work closely with your lender to submit your application and respond to any requests for additional information or documentation.

The application process is your opportunity to present yourself as a reliable borrower. Make sure to double-check your application for accuracy and completeness to avoid any unnecessary delays.

Step 7: Close on your home

After your loan is approved, the final step is closing on your new home. This involves signing a lot of paperwork, paying closing costs, and finally getting the keys to your new home. Congratulations on becoming a homeowner!

At closing, be prepared to review and sign numerous documents. Understanding what each document represents is key, so don’t hesitate to ask questions if something is unclear.

Tips for buying a house with low income

Whether you’re buying a new home or your first home, these tips can help you achieve your homeownership goals. Keep in mind that low income home loans are a great resource for this endeavor.

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Improve your credit history

Improving your FICO score is the best way to increase your chances of loan approval and qualify for lower mortgage rates.

The credit score needed to purchase a home varies depending on the type of loan you apply for. Conventional loans typically require a score of at least 620, while FHA loans often require at least 580.

Start by pulling free credit reports from annualcreditreport.com to determine your current score. Next, consider a few of the common methods for increasing credit scores. The amount of work that you’ll need to do will depend on your personal financial situation.

As an example, if your credit score is low because you’re using too much of your available credit, you may benefit from a debt consolidation loan to tame your high-interest account balances and improve your credit utilization.

On the other hand, if your credit history reveals missed payments, you’ll need to show at least 12 months of regular, on-time payments to improve your score.

Save for a down payment

The average first-time home buyer puts just 13% down on a new home. Yet, many loan programs require as little as 3% down or no down payment at all.

Remember that you still have to pay closing costs, which are typically around 2% to 5% of your mortgage loan amount. If you put less than 20% down, you’ll almost certainly have to pay for mortgage insurance.

In addition, you may need cash reserves in your savings account. This assures lenders that you can make your monthly mortgage payments should you suffer a financial setback. However, don’t let the down payment scare you away from homeownership. Many buyers qualify without even knowing it.

Pay down debts

Paying down debts will lower your debt-to-income ratio and improve your odds of mortgage approval. This is especially true for those with high-interest credit card debt.

You’ll likely qualify for lower rates when you have:

  • A low debt-to-income ratio (DTI)
  • High credit score
  • 3% to 5% down payment
  • Stable income for the past two consecutive years

Use a first-time home buyer program

First-time buyer programs offer flexible guidelines for qualified buyers. Plus, these special programs exist in every state to help low-income households achieve homeownership.

Unlike traditional conventional loans, the government backs many first-time buyer mortgages. This allows mortgage lenders to offer loans with better rates and lower credit score requirements than they normally would be able to.

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Model your budget

Owning a home requires more than qualifying for a loan and making monthly mortgage payments. Homeowners are responsible for a variety of ongoing costs, including:

  • Homeowners insurance
  • Property taxes
  • Mortgage insurance (in many cases)
  • Utility bills
  • Ongoing home maintenance
  • Home improvements
  • Appliance repair and replacement

Home buyers who have experience paying these ongoing costs of homeownership will be better prepared for the big day when they get the keys to their dream home.

Plus, sticking to this model budget in the months and years before purchasing a home and then saving the money you would spend on housing costs, such as insurance premiums and utilities, is a great way to build cash reserves and save for a down payment.

Use a co-signer

If you’re on the edge of qualifying for your own loan, using a co-signer may be an option.

Essentially, when you buy a house with a co-signer, you and your co-signer are both responsible for making the monthly payments. You’ll both also build and share in the home’s equity. Purchasing a home with a co-signer is quite common among unmarried couples, friends, and family members.

FAQ: Low income home loans

Compare low income home loans. Start here

How do you buy a house with low income?

To buy a house with a low income, you have to know which mortgage program will accept your application. A few popular low income home loans include: FHA loans (allowing low income and as little as 3.5 percent down with a 580 credit score); USDA loans (for low-income buyers in rural and suburban areas); VA loans (a zero-down option for veterans and service members); and HomeReady or Home Possible (conforming loans for low-income buyers with just 3 percent down).

I make $25K a year; can I buy a house? 

Mortgage experts recommend spending no more than 28 percent of your gross monthly income on a housing payment. So if you make $25K per year, you can likely afford around $580 per month for a house payment. Assuming a fixed interest rate of 6 percent and a 3 percent down payment, that might buy you a house worth about $100,000. But that’s only a rough estimate. Talk with a mortgage lender to get the exact numbers for your situation.

How do I qualify for a low income home loan?

To qualify for low income home loans, applicants typically need to meet certain income limits, which vary based on the location and the specific loan program. Additionally, factors such as credit score, employment history, and the debt-to-income ratio are important. Some programs might require a minimum credit score or stable employment for a certain period. It’s crucial to research the specific requirements of the low-income home loan program you’re interested in, as they can differ significantly.

What programs are available for first-time home buyers?

Low income home loans can help first-time home buyers overcome hurdles like low credit or income, smaller down payments, or high levels of debt. A few good programs for first-time home buyers include Freddie Mac’s Home Possible mortgage, Fannie Mae’s HomeReady mortgage, the Conventional 97 mortgage, and government-backed loans like FHA, USDA, and VA. First-time home buyers can also apply for down payment assistance grants through their state or local housing department.

Can the government help me buy a house?

Yes, the government can assist in buying a house, especially for low-income individuals or families. This assistance often comes in the form of low income home loans, grants, or subsidized programs designed to make homeownership more accessible. Government-backed loans, like FHA mortgages and HomePossible loans, often have more lenient credit requirements and lower down payments. Additionally, various state and local government programs offer down payment assistance, reduced interest rates, or tax credits to help low-income buyers. It’s advisable to research and contact local housing authorities or a financial advisor to understand the options available in your area.

How do I buy a house without proof of income?

You can no longer buy a house without proof of income. You have to prove you can pay the loan back somehow. But there are modern alternatives to stated-income loans. For instance, you can show “proof of income” through bank statements, assets, or retirement accounts instead of W2 tax forms (the traditional method). Many people who want to buy a house without proof of income these days find a bank statement loan to be a good option.

How do you rent to own?

A lease option or rent-to-own home isn’t exactly what it sounds like. You don’t simply rent until the house is paid off. Instead, you usually pay a higher rent for a set period of time. That excess rent then goes toward a down payment when you buy the house at a later date. Rent-to-own might help you buy a house if you don’t have a lot of cash on hand right now or if you need to improve your credit score before applying for a mortgage. However, rent-to-own requires seller cooperation and comes with unique risks.

Can I rent-to-own with no down payment?

Rent-to-own does not mean you can buy a house with no down payment. When you rent-to-own, you’re paying extra rent each month that will go toward your down payment later on. And usually, rent-to-own contracts include an option fee that’s a lot like a down payment. The option fee is smaller. Think 1 percent of the purchase price instead of 3 to 20 percent. And that fee eventually goes toward your purchase. But it’s still a few thousand dollars you must pay upfront to secure the right to buy the home later on.

Can I get a grant to buy a house?

Qualified buyers can get a grant to buy a house. These are called down payment assistance grants. They won’t pay for the whole house, but they can help cover your down payment to make a mortgage more affordable. You’re most likely to qualify for a grant to buy a house if you have a low to moderate income and live in a target area.

What type of low income home loans are easiest to qualify for?

FHA loans are generally the easiest low income home loan to qualify for. The federal government insures these loans, which means lenders can relax their qualifying rules. It’s possible for a home buyer with a credit score of 500 to get approved for an FHA loan, but most FHA lenders look for scores of 580 or better. And a FICO score of 580 lets you make the FHA’s minimum down payment of 3.5 percent.

How can I get a home loan with low monthly payments?

To get the lowest possible monthly payment, choose a 30-year loan term, find a cheaper home, put more money down, and make sure you have excellent credit before applying for your mortgage. If you can afford a 20 percent down payment, you can avoid PMI premiums, which lower your monthly payments even more. Veterans can get VA loans that require no PMI, regardless of their down payment size.

What’s the lowest amount you can put on a house?

Some home buyers can put no money down with a VA or USDA loan. Conventional loans will require at least 3 percent down, and FHA loans will require at least 3.5 percent down. Down payment assistance grants and loans could help you cover some or all of this down payment.

How much house can I afford if I make $30K a year? 

If you make $30,000 a year, you could probably spend about $110,000 on a house, assuming you get a 30-year fixed-rate mortgage at 6 percent. This is a rough estimate. Your unique financial situation may be different. Getting a pre-approval from a lender is the only way to find your actual price range.

Mortgage rates for low income home loans?

Many low income home loans have lower interest rates than “standard” mortgage loans. So you might get a great deal.

However, interest rates vary depending on the borrower, the loan program, and the lender.

To find out where you stand, you’ll need to compare loan offers from several lenders and then choose your best deal.

Time to make a move? Let us find the right mortgage for you

Gina Freeman
Authored By: Gina Freeman
The Mortgage Reports contributor
With more than 10 years in the mortgage industry, and another 10 years writing about it, Gina Freeman brings a wealth of knowledge to The Mortgage Reports as its Associate Editor. Gina works with a team of world-class real estate and finance writers to bring timely and helpful news and advice to the audience. Her specialty is helping consumers understand complex and intimidating topics.
Ryan Tronier
Updated By: Ryan Tronier
The Mortgage Reports Editor
Ryan Tronier is a personal finance writer and editor. His work has been published on NBC, ABC, USATODAY, Yahoo Finance, MSN Money, and more. Ryan is the former managing editor of the finance website Sapling, as well as the former personal finance editor at Slickdeals.
Paul Centopani
Reviewed By: Paul Centopani
The Mortgage Reports Editor
Paul Centopani is a writer and editor who started covering the lending and housing markets in 2018. Previous to joining The Mortgage Reports, he was a reporter for National Mortgage News. Paul grew up in Connecticut, graduated from Binghamton University and now lives in Chicago after a decade in New York and the D.C. area.