The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

How to Qualify for the Arrive Home Earned Equity Program in 2026

By Scott Sheldon / August 7, 2026

Buying a home can feel overwhelming, especially if you’re worried about your credit score, down payment, or whether you’ll qualify for a mortgage. The good news is there are programs designed to help buyers who may not fit into traditional lending guidelines. One of those options is the Arrive Home Earned Equity Program (EEP). The…

4 Signs You’re Not Ready to Buy a House

By Scott Sheldon / September 23, 2024

4 signs you’re not ready to buy a house when it comes to purchasing a home. It’s probably one of the highest-ticket purchases you’ll ever make in life, if not the most high-ticket purchase. You want to, of course, make sure that affordability is number one. This is primary, above all else. However, just because…