By using a different form of information to verify a borrower’s income, bank-statement loans make mortgages available to many people who might otherwise struggle with financing. If you have a unique career, or simply want
Homeownership is one of the pillars of American prosperity, bringing financial stability to individuals families. But when it’s approached recklessly and irresponsibly, it can be a burden. To help reduce financial risk to both borrowers
Closing costs are an important part of every property purchase. There’s no way to avoid them, but you may be able to reduce the amount you pay. By understanding closings costs, including the various fees
If you need a large amount of money in a short period of time, you may consider cash-out refinancing. This borrowing option allows you to turn home equity into usable cash, and while it may
Want to better understand mortgages? Then you need to understand the essential terms. Using this mortgage glossary, you’ll have a better understanding of real estate and the mortgage industry. This is Part 2 in our
Mortgages can be complicated, with lots of confusing terms and acronyms that seem like they come from another language. But you don’t need to be a real estate agent or a lending professional to speak
Intended to make refinancing of FHA loans more convenient and efficient, FHA Streamline refinancing is one of the most beneficial options for homeowners. This is a faster, easier way to get the loan you need,
Choosing a loan can be difficult. With so many programs and options, knowing which one is right for your needs is confusing, overwhelming you to the point of frustration. But there is a right loan
Right around mid-December of last year (2017), we wrote about the Federal Reserve raising the benchmark federal rate from 1.25% to 1.5%. This increase was in response to a growing economy and the then-upcoming tax
When qualifying for a loan, it helps to use as much of your income as possible. If you’re retired, this creates challenges, as you likely receive limited incomes from multiple sources, such as a 401(k),
Trying to come up with a home budget is extremely difficult, and it can leave many upcoming buyers frustrated and confused. How much is too much? Is there a bottom-level that we should be aiming
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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