Homeownership can be difficult. Simply obtaining a mortgage, which requires a strong income, sizable downpayment, and decent credit score, can be challenging. Realizing that many low-income people struggle to reach mortgage approval, Fannie Mae, a
The downpayment for a mortgage loan is often the largest hurdle between a would-be buyer and homeownership. For this reason, many buyers receive cash gifts from relatives, using the money to jumpstart their purchase. But
The downpayment is one of the biggest hurdles to homeownership. So big, in fact, that is keeps many would-be borrowers from getting the home they deserve. This is understandable, as even a minimal downpayment can
If you are a “Dreamer,” one of the hundreds of thousands who have benefited from the Deferred Action for Childhood Arrivals policy, you may assume that getting a home loan would be a challenge. After
Of all the ways to complete a home purchase, using FHA financing is often the most popular. These loans have convenient terms that make them available to numerous borrowers, and with affordable rates, many people
If you are self employed, or if you work on a commission-based salary, you must understand the benefits of bank statement loans. Traditional loans require paystubs and tax returns to verify income, but many professionals
As a first-time homebuyer, you have a lot to consider. There are new terms, new information, and important concepts to learn. In many cases, the confusion is compounded by “advice” from friends, family, real estate
If you are looking for a jumbo loan with a low down payment, you may find a lot of options. But not all jumbo loans are built the same. Our minimum-down-payment loans have many features
No-income investment property loans are a wonderful tool for numerous investors across the country. They allow investors under specific circumstances to qualify for loans with greater efficiency and convenience, and allow people to enhance their
Generating all the funds you need for mortgage down payments and reserve requirements can be difficult. Equaling thousands of dollars, and in some cases tens of thousands, this can be a significant burden for many
Everyone knows about down payments for purchasing a home, but many don’t understand, or have never heard of, reserve requirements. Every time a lender or bank makes a loan, they assume a certain degree of
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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