Owen Young
At LoanFinancing, my work centers on breaking down how mortgages, refinancing, home equity, and reverse mortgages actually work for everyday borrowers. I explain the difference between fixed and adjustable rates, what pre-approval involves, and how tools like a mortgage calculator can show the real cost of a loan before you apply. I also cover personal loans, debt consolidation, and credit basics for readers who are still building toward homeownership. This site connects consumers with a network of lenders rather than originating loans itself, so I keep my writing educational and neutral, pointing out costs, risks, and tradeoffs instead of pushing any single product. My goal is to give you clear, factual information so you can compare your options and ask lenders the right questions.
Articles by Owen Young
Nov 4, 2026 · Mortgage Qualification, Alternative Credit Financing
Reverse Mortgage Line of Credit: A Standby Reserve Guide
Use a reverse mortgage line of credit as a standby reserve that grows over time, providing tax-free access to home equity for emergencies and market downturns.
Oct 27, 2026 · Buying a Home, Mortgage Qualification
How to Compare Bank, Credit Union and Online Lenders
Compare bank, credit union, and online mortgage lenders with a clear framework. Get multiple loan estimates and avoid hidden fees.
Oct 21, 2026 · Buying a Home, Mortgage Qualification
How to Calculate How Much House You Can Afford Using the 28/36 Rule
Use the 28/36 rule to find a home price that fits your budget without stretching your finances. Calculate your maximum payment and shop with confidence.
Oct 19, 2026 · Credit & Debt Management, Credit Score Protection
How Long Negative Items Stay on Your Credit Report
Knowing how long negative items stay on your credit report helps you plan a loan application and rebuild your score with confidence.
Oct 14, 2026 · Buying a Home, Mortgage Qualification
FHA Loan Requirements 2026: First Time Buyer's Path
FHA loan requirements 2026 first time buyer: lower credit score and 3.5% down payment options that make homeownership possible.
Oct 12, 2026 · Reverse Mortgages, Long Term Care Financing
Funding Long Term Care With a Reverse Mortgage: 2026 Guide
Funding long term care with a reverse mortgage lets homeowners 62+ tap equity, skip monthly payments, and stay in the home while covering care costs.
Oct 11, 2026 · Buying a Home, Mortgage Qualification
FHA Streamline Refinance Requirements and Benefits
FHA streamline refinance requirements and benefits explained, including payment history rules, no-appraisal savings, and how to time your break-even point.
Oct 10, 2026 · Credit & Debt Management, Personal Loan Qualification
Credit Utilization Ratio Impact on Loan Approval
Credit utilization ratio impact on loan approval is significant. Keeping balances below 30% of limits can boost your score and improve approval odds.
Oct 3, 2026 · Buying a Home, Mortgage Qualification
VA IRRRL Interest Rate Reduction Refinance Loan Guide
This VA IRRRL interest rate reduction refinance loan guide explains eligibility, costs, and the recoupment test so veterans can cut their monthly payment.