Tom Kelly, contributor

Tom is an author, talk-show host and newspaper columnist where he shares his expertise in real estate and reverse mortgages.

Articles by Tom Kelly

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See how much you can afford by home price, monthly payment, or income

Determine your payment, including FHA-specific mortgage insurance and fees

Former or current members of the military have access to reduced costs and rates

The USDA provides a zero-down loan for homes outside major metros

Easily find down payment requirements for popular loan programs

Find out if your income level is eligible for this zero-down home loan