If you are a business owner or a self-employed professional, you have very different needs for mortgage lending. The typical documents used in a mortgage application, such as paystubs and tax returns, often don’t apply
An asset-utilization loan is a good option if you have an irregular income but a strong personal net worth. This article will explain the benefits of this useful mortgage. The economic situation for many Americans
If you think of the USDA, you probably imagine grocery-store steaks and broad agricultural policy. But what about home loans? The United States Department of Agriculture (USDA), in an effort to sustain and revive rural
Is purchasing a San Diego home in the fall a good idea? In this article, we’ll show why fall is a great time to buy. While San Diego may not feel the significant seasonal changes
This article will help you understand the basic tax implications of giving a downpayment gift. For many people, the downpayment is a significant barrier to homeownership. For most mortgages, you need roughly 5% to 10%
Many people struggle with their mortgage payments. Whether they have lost a job, been burdened with new bills (such as medical bills), or simply over-extended their budget, it’s not uncommon for homeowners to be “house
Thanks to recent changes, FHA loans with student debt are going to be more accessible to many borrowers. The amount of debt you owe every month is vastly important to lenders. Obviously, they want to
Financing for condos can be hard to secure. These properties are inherently different; as such the financing is different too. In the past, FHA loans for condos were hard to come by, but with some
If you are purchasing a new home, but can’t afford to carry two mortgages as you sell your existing property, bridge loans could provide the perfect solution. Bridge Loans: Spanning the Financial Gap from Old
When pouring over your mortgage application, there are many factors that lenders and agents consider. Credit scores are probably the most famous, but there are other factors to review, including a borrower’s “DTI,” also known
It’s no secret that interest rate matters to the total affordability of your loan. Borrowers, lenders, real estate agents, lending professionals; everyone in the mortgage and real estate industry is aware that interest rates matters.
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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