Debt-to-income ratio Archives - San Diego Purchase and Refinance Loans

by Chad Baker March 2, 2022

Bank Statement for Refinance: How to Refinance When Self-Employed

You can refinance when self-employed. This article will provide a few basic tips and suggest certain options for refinancing. Refinancing when you’re self-employed can be challenging. Not impossible by any means, just more complicated, extensive, and time consuming. Compared to a typical refinance…

Family At Home Eating Breakfast In Kitchen Together

Get Up to $3.5 Million or Only 10% Down with Our 1099 Loan Program!

by Chad Baker January 6, 2022 0Comments

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…

La Jolla Coast View (San Diego, California)

Get Up to $1.75 Million in Financing with only 3.5% Down!

by Chad Baker December 30, 2021 0Comments

San Diego is a wonderful city; a great place to live. But, quite frankly, it's expensive. Houses in particular can be high cost. For this reason, many turn to jumbo loans in San Diego to make their home purchase. We…

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…

Span the Gap from One Loan to Another with a Bridge Loan

by Chad Baker July 8, 2021 0Comments

If you are purchasing a new home, but can’t afford to carry two mortgages as you sell your existing property, bridge loans could provide the perfect solution. Bridge Loans: Spanning the Financial Gap from Old Home to New Sometimes called…

Have a DTI Problem? Here are Four Possible Solutions!

by Chad Baker July 6, 2021 0Comments

When pouring over your mortgage application, there are many factors that lenders and agents consider. Credit scores are probably the most famous, but there are other factors to review, including a borrower’s “DTI,” also known as “DTI ratio.” Unfortunately, many borrowers…

Mortgage Myth: A VA Loan Co-Borrower Doesn’t Have to be a Spouse

by Chad Baker May 4, 2021 0Comments

VA loans have some of the most generous terms available in the entire mortgage industry. For qualifying veterans, these loans represent an excellent opportunity to secure an affordable mortgage with a small downpayment; in some cases veterans can even purchase a home…