Free Learning Resources
Explore free educational videos and resources from Pineda Academy. Learn about homeownership, financial literacy, and opportunities to help families build a more secure future.
Credit Repair Explained: How to Understand and Improve Your Credit
Learn about credit reports, disputing inaccurate information, and the options available for improving your credit. This video discusses the Fair Credit Reporting Act, working with credit repair companies, and the importance of making payments on time.
What Income Documents Do You Need to Buy a Home?
Learn what income documents lenders may require when buying a home, whether you’re a W-2 employee, self-employed, a 1099 contractor, or using bank statements to verify income.
Types of Income and Mortgage Qualification Requirements
Learn how lenders may evaluate W-2 wages, self-employment income, bank statements, and 1099 earnings when qualifying for a mortgage. Understand how income documentation and existing debts can affect your homebuying eligibility.
Homeownership vs. Renting: Building Long-Term Wealth
Explore how owning a home may help build equity and provide more predictable monthly payments compared with renting. Learn about the potential long-term financial benefits of homeownership and the importance of considering property costs and market conditions.
The 4 Key Factors That Affect Mortgage Approval
Learn about the four key factors lenders consider when evaluating a mortgage application: income, credit, equity, and assets. Understand how your income, existing debts, credit profile, down payment, and assets may affect your homebuying options.
Understanding Mortgage Loan Programs: FHA, USDA, VA, Conventional, and Non-QM
Explore different mortgage loan programs, including FHA, USDA, VA, conventional, and Non-QM loans. Learn how their eligibility requirements, down payment options, and lending criteria may differ to help you understand which options could fit your homebuying needs.
Understanding Credit Scores and Mortgage Approval
Learn how your credit score can affect mortgage eligibility and interest rates. Discover ways to improve your credit profile, understand lender requirements, and explore steps toward becoming ready to buy a home—even if your credit needs work.
How to Buy a Home With Little or No Money Down
Discover mortgage programs and down payment assistance options that may help eligible buyers purchase a home with little or no money down. Learn how financing, closing costs, seller contributions, and assistance programs may work together to reduce upfront expenses.