mortgages with mitch
Straight answers on rates, loans, and buying a home — written by Mitch Tugaw so you can borrow with confidence.
by: Mitch TugawVA loans let eligible veterans and service members buy in Vancouver or Portland with $0 down and no PMI. Here's how the benefit works, what's changed for 2026, and what it means for buyers in Clark County and Multnomah County.
by: Mitch TugawA little-known loan program just became a lot more powerful. USDA loans allow qualified buyers to purchase a home with zero down payment, but slow closing times have always held them back. That’s no longer the case. With new updates allowing lenders to process these loans faster, buyers can now compete more effectively in today’s market. Even better, many suburban areas qualify, not just rural towns. If you’ve been priced out or sitting on the sidelines, this could open new doors. Here’s what changed, who qualifies, and why this strategy is worth a closer look right now.
by: Mitch TugawEveryone’s talking about the homeowner who used AI to sell his house in just five days. Sounds impressive… but that’s only part of the story. In this edition of The Mortgage Mailbag, we break down what actually happened. The home hit the market at $972,500, drew multiple offers quickly, and still closed below asking. So what really made the difference?
by: Mitch TugawCongress may be coming for corporate homebuyers. A new bipartisan housing bill just passed the Senate with an overwhelming 89–10 vote. One of its most talked-about provisions would limit large investors from buying additional single-family homes.