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...
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...
When we think of loan qualification, we think of credit scores, debt-to-income ratio, and annual salary totals from a steady career. We rarely think of the money locked in an Investment Retirement Account (IRA), 401(k), or Keogh retirement account. For...
“How’s The Real Estate Market In Carlsbad?” 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 help you...
“How’s The Real Estate Market In Chula Vista 91915?” 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...