Refinancing with our minimum-down-payment program allows you to get a top-quality loan on your home. Whether you want to make more investments, or simply prefer to have liquid capital ready when you need it, this program gives you plenty...
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...
Both consumers and the majority of Mortgage Lender view a mortgage application as a singular transaction. And for the most part, that might seem reasonable as mortgage loans have a relatively short shelf life compared to the full term...
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...
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....

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...
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...
One of the biggest challenge for self employed individuals in the process of purchasing or refinancing a home is the documentation of income. Over 90% of mortgage transactions are underwritten using a traditional income analysis in which a mortgage bank...
Couples who decide to end their marriage with a divorce certainly didn’t go into the arrangement knowing full well that at some point a divorce will be a definite life event. No, instead of living a life of indescribable bliss...
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...