Since 2015, lenders and loan officers are required to issue a document known as a “loan estimate.” These documents can seem complex and intimidating, but if you understand their purpose, and how they help both
Banks statement loans are back! The COVID-19 crisis changed this country and the globe in many ways. Some of these changes will be permanent; revisions to how people gather, and acceptance by companies to support
The vast majority of mortgages use paystubs, as well as tax returns, to verify a potential borrower’s income. For nearly everyone, this creates a convenient way to get approved for a mortgage. However, some borrowers
The HomeStyle Renovation Loan program is designed to give borrowers the option to purchase a home and make improvements and renovations to the property, all while having one single loan. This program provides simple, flexible,
Jumbo loans are any loans that are higher than the allowable limit set by the Fannie Mae and Freddie Mac, which use the FHFA as their guide. Essentially, if you need to borrow a significant
Purchasing an investment property is one of the most exciting times in your life, but if you choose the wrong mortgage for your needs, your purchase could be more of a burden than a blessing.
Using bank statements for loan approval is a common option for traditional mortgages, but it’s also a little-known option for investors. By using bank statements for approval on your investment-property loan, you create new opportunities
There are a lot of myths in mortgage lending and real estate. You must have a 20% down payment. False. You can’t purchase a home if you already have a significant debt load. Wrong. It’s
There are a lot of decisions to make when it comes to buying a home. One of the most important is deciding between a fixed-rate and an adjustable-rate mortgage. While adjustable-rate loans have their benefits,
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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