HERO (Home Energy Retrofit Opportunity) is a program that is part of the statewide PACE (Property Assessed Clean Energy) effort. PACE was established in California in 2001 and was used as a blueprint for at least 30 other states....
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...
We are dedicated to providing the best financing options for people from all walks of life, all backgrounds, and all professions. One of the programs we offer is made specifically for licensed medical professionals. Creating better financing options for...
Owning a home is one of the pillars of the American dream. This goes for people who can trace a lineage to the American Revolution, as well as people who just arrived from their native country. However, it’s often...
The most common use of a Reverse Mortgage, also know as a Home Equity Conversion Mortgage (HECM), is to convert part of an existing home’s equity into cash. And for many eligible seniors 62 and older, a Reverse Mortgage is...
An Arm’s Length Transaction refers to a real estate purchase transaction in which both the buyer and seller are conducting business from an equal bargaining position, with neither party having any control or influence over the other.  In contrast,...
It has been estimated that over 7 million people lost their homes in either a short sale or foreclosure between 2007 and 2014. Many of these people are looking to re-establish home ownership and are curious as to how...
  A manufactured home is a type of housing that includes modular homes and is typically constructed at a factory and then assembled on-site. Not only is Not only is cost of construction usually far less than traditional stick-built homes,...
Financing a home after experiencing a short sale or a foreclosure can be a daunting process yet not impossible. However without proper guidance, potential buyers can be disappointed when their loan application is turned down, not necessarily because of...
If you are looking to complete a purchase transaction for a piece of real estate, you’ll need to make sure that you meet specific requirements, especially if the loan is going to be supported by Fannie Mae. Fannie Mae,...