credit scores Archives - San Diego Purchase and Refinance Loans

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If you are self-employed and need a high-quality jumbo mortgage, our 1099 loan program may be the perfect option for your next home purchase! Our 1099 Loan Program Makes Home Loans More Affordable There are many advantages to using this program, including the…

What You Need to Know Before Applying for a Second Home Refinance

by Chad Baker October 26, 2021 0Comments

This article will help you understand the details for a second home refinance and how you can prepare before filling out an application. When most people think about mortgage refinancing, they usually think about primary homes. But whether it’s your first property, an…

Why Interest Rates May Not Match Lender Advertisements

by Chad Baker July 22, 2021 0Comments

Mortgage lending can be highly complex, which often leads to confusion and frustration among consumers. Interest rates are a perfect example. While many organizations advertise extremely low rates, you don’t always get these low rates, and interest advertised by companies…

Beneficial Loan Options When You Have Multiple Financed Properties

by Chad Baker May 13, 2021 0Comments

Whether you are an investor with multiple financed properties, or you're simply a homeowner trying to purchase a vacation property, it can be difficult (but certainly not impossible) to find top-quality financing for your next purchase. For a variety of…

High Scores Not Needed: Minimum-Credit-Score Jumbo Loans Are Available!

by Chad Baker May 11, 2021 0Comments

One of the biggest myths in the mortgage industry is the belief that you need a nearly-perfect credit score to use a jumbo loan. But as we’ll show, minimum-credit-score jumbo loans are available. The Myth: You Need a High Credit Score…

CalVet vs VA Loans: Which One is Right for Your Purchase?

by Chad Baker May 6, 2020 0Comments

Many veterans in the Golden State want to compare CalVet vs VA loans. If you are a veteran or active service member of the United States military, you are entitled to a wide variety of benefits, including VA loans. These mortgage…

Top Myths of Jumbo Loans During the Current Health Crisis

by Chad Baker April 8, 2020 0Comments

There are a lot of questions, misconceptions, and myths in the mortgage industry. Especially when it comes to jumbo loans. For a variety of reasons, these loans are often misunderstood. People think they are hard to secure, require…

FHA Low FICO Loans Support Home Purchases Across the Country

by Chad Baker April 3, 2020 0Comments

For some borrowers, the lack of a downpayment is a significant challenge. For others, their income might keep them from being able to purchase a top-quality home in the neighborhood they prefer. For some, their credit holds up the mortgage…

Minimum Down Jumbo Loans: How to Use this Helpful Financing

by Chad Baker April 1, 2020 0Comments

Jumbo loans have a higher level of risk than many other loan products. To compensate for this risk, many lenders require a larger downpayment, as high as 20% or more, which, on a jumbo loan, can equal hundreds of thousands of dollars.…

A New Downpayment Assistance Program is Bringing Fantastic Opportunities!

by Chad Baker March 30, 2020 0Comments

A downpayment is one of the biggest roadblocks to homeownership. Often equaling thousands of dollars, even a 5% downpayment can seem impossible to many would-be homeowners. But a downpayment assistance program can help. Using downpayment assistance programs like the one offered…

What All Borrowers Need to Know About Pre-Qualification vs. Pre-Approval

by Chad Baker March 27, 2020 0Comments

The real estate and mortgage industries are loaded with terms that many people don’t understand. Debt-to-income ratios, conventional loans, and HELOC are just a few examples of terms that are used by professionals in our industry but often misunderstood by the general…

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