Purchasing a home comes with a few additional costs that may not be entirely clear. Realtor fees, closing costs, and home insurance are just a few of the things that can slowly drive up the cost of being a...
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 for? What is the...
We certainly realize the mortgage process can be a bit confusing at times and we really didn’t mean for the process to be that way. Certainly not the entire mortgage approval process but there are some areas that seem...
Purchasing your first home can be scary. For years, you’ve been told that homeownership is essential for financial success, but when it comes time to make the purchase, it can be easy to hesitate. Renting might seem like a...
With our minimum-down-payment jumbo loans, we open the doors to purchases that would otherwise be closed. And they can be closed for many reasons. The most obvious is price. With conventional loans, you are limited to a certain amount, which...
You’ll hear it from everyone you talk to. Your friends and family will all tell you that if you have a low credit score, purchasing a home is nearly impossible. If you are fortunate enough to get approved, they...
In the past, getting a home loan as a foreign national has been difficult. Lenders often have a complicated task when it comes to verifying information provided by non-citizens. For example, in the U.S., we don’t use the same...
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...
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...