Chip Adkins

President / MLO

NMLS# 1133079

Chip Adkins President / MLO

Blog

How to Use a VA Loan Calculator to Estimate Your Mortgage

How to Use a VA Loan Calculator to Estimate Your Mortgage

If you’re using your VA home loan benefit, a VA loan calculator can help you move from a rough idea of affordability to a more confident home-buying plan. Instead of guessing what a home might cost each month, you can estimate your payment based on

Jun 08, 2026 | VA Loans

First-Time Homebuyer Qualifications: What You Need to Know

First-Time Homebuyer Qualifications: What You Need to Know

Dreaming of claiming your slice of the American Dream? That first home purchase—a whirlwind of paperwork, financial scrutiny, and confusing terminology—can leave even the most motivated buyers stuck at square one. But here’s the truth: t

Jun 05, 2026 | Purchasing a Home

How the Federal Reserve Impacts Mortgage Rates

How the Federal Reserve Impacts Mortgage Rates

Interest rates don’t move randomly—and they don’t exist in a vacuum. Behind the scenes, the Federal Reserve plays a central role in shaping the cost of borrowing across the economy, including mortgage rates. Understanding how this works

Jun 03, 2026 | Interest Rates

VA Loan Approval with Debt: What Veterans Need to Know

VA Loan Approval with Debt: What Veterans Need to Know

Debt does not automatically keep veterans and active-duty service members from using a VA loan. In many cases, the question is not whether you have debt, but whether your overall financial picture shows you can comfortably manage a new mortgage payment. W

Jun 01, 2026 | VA Loans

Can You Get a Mortgage while on Maternity Leave?

Can You Get a Mortgage while on Maternity Leave?

Buying a home while preparing for a new baby can feel overwhelming. Many expectant parents worry that maternity leave could impact their ability to qualify for a mortgage. The good news is that getting approved during this time is possible—with the

May 29, 2026 | Purchasing a Home

Real Estate Investing Explained: Active vs Passive Strategies and Property Types

Real Estate Investing Explained: Active vs Passive Strategies and Property Types

Real estate investing doesn’t have to feel overwhelming. While it can seem complex at first, the key is understanding the different paths available and choosing one that aligns with your financial goals and lifestyle. The Two Core Strategies: Active

May 27, 2026 | Purchasing a Home