jumbo loans Archives - San Diego Purchase and Refinance Loans

by Chad Baker April 26, 2022

Borrower Profiles: Best Candidates for a Bank Statement Loan

At San Diego Purchase Loans, we take pride in creating home-financing options for a wide-variety of borrowers and aspiring homeowners. To meet this goal, we provide a selection of high-quality mortgages that create access to affordable mortgages. Bank statement loans…

How to Leverage our Signature Bridge Loans to Buy Now, Sell Later

by Chad Baker April 7, 2022 0Comments

Is a bridge loan right for you? This article will explain what they are and when they can be effective. In past real estate markets, it was no problem to sell your home first, then, before the new owner moves in, purchase the…

What are the Reserve Requirements for Jumbo Loans and Mortgages?

by Chad Baker March 11, 2022 0Comments

Cash reserves are just one of the factors that are considered when a lender or lending professional reviews your application. They generally don’t come into play for conforming mortgages (loans under a certain amount), which make up the vast majority…

Asset-Utilization Loans in California: Perfect for Retirees, Investors, and the Self-Employed

by Chad Baker March 8, 2022 0Comments

Asset-utilization loans are important for a wide variety of borrowers. This article will explain the details and describe some of the reasons why you may benefit from the program. Borrowers, like people, don’t fit into neatly organized categories. They don’t always conform to…

7 Reasons You Should Use a Bank Statement Loan

by Chad Baker February 22, 2022 0Comments

Bank statement loans can create a path to mortgage financing when other options fall short. With high loan limits, reasonable downpayment requirements, and flexible application terms, these loans are ideal for many people, especially the self employed. Here are seven reasons to use…

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…

How We Are Leading Non-QM Lending for 2022

by Chad Baker December 23, 2021 0Comments

The real estate and mortgage industries are seeing rapid changes. The way people buy and sell property is changing. So too is the way people apply and qualify for mortgages. “Non-QM lending,” a term that describes many different mortgage products, are becoming…

Break the Homebuying Logjam with 100% Jumbo Financing

by Chad Baker August 3, 2021 0Comments

For San Diego homebuyers, 100% jumbo financing creates a renewed chance to purchase a world-class home in our first-rate city! 100% Jumbo Financing: What it Means for San Diego Homebuyers Most loans across the country, even if they are not…

What is a Conventional Loan?

by Chad Baker June 10, 2021 0Comments

When considering a conventional loan in San Diego, you should understand this form of financing, including the advantages and disadvantages for these mortgages. This article will explain what a conventional loan is and how it is different from other types of mortgages.…

No Social Security Number? Jumbo ITIN Loans May Hold the Key to Homeownership

by Chad Baker May 25, 2021 0Comments

Anyone living in the United States, earning an income, and paying U.S. taxes, but not eligible for a Social Security number, should know about jumbo ITIN loans. This is a special mortgage program that allows individuals and families to purchase a home…

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