Your debt-to-income ratio, or “DTI,” can have a profound impact on your mortgage. A good DTI can result in better terms for your loan, while a high DTI can increase interest and even cause a
Most downpayment assistance programs, often referred to as “DPA programs,” are created with noble intentions. They are made to help people purchase comfortable, safe housing that enhances their longterm financial stability while giving them a
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,
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
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
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,
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
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
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
When you visit a mortgage lender, you may feel that you’re overrun with terminology. At times it seems like the industry is almost intentionally confusing you with an alphabet soup of jargon. But we believe
Real estate can be one of the best ways to invest your money. Not only are you investing in something that steadily gains in value (in most cases), you are purchasing a physical asset that
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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