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For most homebuyers across the country, a conventional loan is enough for their purchase. However, in high-market areas like San Diego, large sums of money are needed to purchase even a moderate home. After all, a million-dollar home in...
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), IRA, or mutual fund...
The Federal Housing Administration is one of the most important government institutions for the real estate and mortgage industry. This organization is involved in many different facets, but their most important and well-known task is supporting “FHA loans.” While most...
The real estate and mortgage industries are loaded with terms that many people don’t understand. Debt-to-income ratios, conventional loans, and HELOC are just a few examples of terms that are used by professionals in our industry but often misunderstood...
Using assets to quality for a home loan is a common strategy for retirees. If you are at the retirement stage of your life, and want to purchase a new home (and need a loan to do so), you...
Just like clockwork whether we want it or not it’s getting close to tax time. The IRS began accepting and processing federal income tax returns late last January. For the “EZ-Filers” it’s very likely many have already submitted their...
Qualification for a jumbo loan can be complicated, but with bank-statement loans, you have a better chance at mortgage approval, allowing you to secure the top-quality loan you need for a wonderful home. This program is available for self-employed...
If you are looking for a jumbo loan with a low down payment, you may find a lot of options. But not all jumbo loans are built the same. Our minimum-down-payment loans have many features that make them extremely...
If you want to lower the interest on your next home loan, mortgage points can be extremely useful. They might seem complex, but the basic principle is simple: mortgage points are upfront payments that reduce the interest rate. Basically,...
Loan programs for first responders are meant to support our heroes. Every community needs heroes. We need police officers to protect our communities, emergency personnel to responds to emergencies, and firefighters to protect the building and facilities we love. Communities...