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Self Employed Refinancing

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

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Self-Employment Advantages

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

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Navigating a Refi or Sale With a HERO Lien

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

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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.

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How to Prepare for a Home Appraisal

Getting ready to apply for a refinance? Selling your home? Are you wondering what your property might be worth beforehand? Here is everything you need to prepare for home appraisal. When you first complete a

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