Home Refinance Programs

Most mortgage programs today require some sort of a down payment. Outside of the VA and USDA home mortgage loans buyers can anticipate a down payment in addition to the funds needed for closing costs. This down payment represents...
Only recently have home values recovered their earlier losses that occurred during the housing debacle of the last decade. Today, we’re still feeling the effects of the loose lending standards that caught too many in a bad situation but as...
  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,...
While everyone realizes that divorce is part life, the divorce itself can create concerns for lenders. Many hard-working, financially-secure people will go through a divorce at one point or another, but these people will still find difficulty when applying...
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....
There are almost nine million self-employed people in the United States. The state of California alone is home to almost two-millions of these self-employed entrepreneurs. The advantages of self-employment are many, a flexible schedule, control of your life and...
The home loan process can be a challenging experience for the self employed borrower looking to purchase or refinance a home. Much of the confusion can be attributed to the calculation and documentation of income that a mortgage bank...
It’s not common, but yes, there are scenarios that allow VA borrowers to have two or more VA loans active at the same time. The typical situation is when a VA homeowner has been reassigned to a new duty...
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...
Closing costs associated with getting a mortgage is pretty much a given. There are closing costs from multiple parties beyond what your mortgage company may require. Your lender might have a loan processing fee and an underwriting fee among...