When you begin preparing for a mortgage, one of the first steps you’ll take is to check your credit. Whether you pull the credit report yourself or a loan officer pulls the report on your
A credit score is one of the most accurate ways for lenders of all types to gauge your reliability as a borrower, which is why a credit rescore can be so important. While a credit
For some borrowers, the lack of a downpayment is a significant challenge. For others, their income might keep them from being able to purchase a top-quality home in the neighborhood they prefer. For some, their
When you apply for a mortgage loan, the lender will look at many different factors. They will look at your debt-to-income ratio, as well as your current assets. They may also look at your work
In 1934, the Federal government passed the National Housing Act as part of the “New Deal,” which was President Franklin D. Roosevelt’s massive plan to provide relief from the Great Depression, relief that would come,
If you have moved to the United States from another country, you brought many things with you. You possibly brought your family, and likely brought your financial assets. You also brought your work-ethic, values, and
While it’s possible to secure a mortgage loan without one, using a credit score is one of the fastest and most efficient ways to complete your application. These scores are used in the vast majority
While you can obtain a home mortgage loan without one, the credit score remains one of the most important factors for most buyers in the United States. In order to get an affordable loan, most
We all know that credit is important when we want to purchase large items that we can’t afford upfront, such as homes and vehicles. But do you know how your credit is actually measured? Do
Jumbo Loan Programs for a Credit Score Under 700 Jumbo loan programs can help you obtain affordable financing for high end homes in California and all across the country. However, they also come with increased
Credit is one of the three main pillars of a mortgage approval. The other two, income and equity also play just as important of a role as credit but over the years evaluating credit has
Chad Baker
Originating Branch Manager
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858-353-8331
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