Rate Quotes

If It Sounds Too Good To Be True… It's not uncommon to see advertised mortgage rates well OUT of line with reality. A rate sheet or...

One Year Tax Returns Program for Self Employed Borrowers

The vast majority of lenders utilize underwriting guidelines that make it increasing difficult for self-employed borrowers to secure mortgage loans. A common requirement to...

Opt Out of Credit Offers

When your credit is pulled for your home loan, credit bureaus could share your personal information! Put an end to unsolicited credit offers. It's far...

Qualification Ratios

When it comes to your mortgage, qualification ratios may seem like something from your high school calculus class. It's actually not rocket science. The...

2015 Conforming Loan Limits Increased for San Diego County

There’s some good news in store for San Diego County’s current & future homeowners. The Federal Housing Finance Agency (FHFA) has just announced the...

Non-Arm’s Length Transaction Home Loans

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...

Two Mortgage Qualification Factors to Consider in a Divorce

Going through a divorce can be a very stressful experience, which can result in your own future housing needs being overlooked. You can avoid...

Impact of Missing a Credit Card Payment on your Credit Score

Your credit score is one of the biggest factors in determining your qualification and interest rate when applying for a home loan. Missing a...

Let’s Talk About REX: Jumbo Purchases with 10% Down-Payment

The majority of mortgage banks require a minimum down payment of 20% for any loan that is determined a Jumbo Loan. In San Diego...

Condo Purchases without a HOA Certification

Condominium loans are unlike loans for single family residences. The biggest difference is that not only are the qualifications (income calculations, credit history, and...