“How’s The Real Estate Market In San Diego 92128?” You’ve probably either asked or heard this question before.  Just like the weather, every neighborhood in San Diego has its own unique real estate microclimate.  The purposes of our infographic to...
Have you ever wondered how mortgage lenders set their interest rates each day? Are you shopping for a mortgage and can’t seem to get your arms around how and when mortgage companies decide to change their rates? From the outside looking...
What is a Non-Qualified Mortgage (Non-QM) and how does it help Southern California homeowners? First, a brief history on what makes a mortgage loan product a "QM", or “Qualified Mortgage.” The Consumer Financial Protection Bureau (CFPB) is an independent agency...
Emery Financial is excited to announce a new mortgage product that is designed to help the owners of multiple (10+) investment properties. In addition to purchasing additional properties, this new product also allows investors to cash-out as well as restructure existing loans on the properties in order to improve cash flow.