When you apply for a mortgage loan, the lender will look at many different factors. They will look at your debt-to-income ratio, as well as your current assets. They may also look at your work
If you want to take out a loan with another person who is not your spouse, such as a son or sibling, there are options, including VA loans. Assuming you are eligible, the VA allows
A lender will consider many different factors when approving your mortgage application. They will look at items like your credit score, down payment, and income to determine whether you should be issued a loan. Another
When you are thinking about purchasing a home, what’s the first thing you consider? For many; it’s the downpayment. This chunk of money creates a lot of worry, delay, and confusion among would-be homeowners. Knowing
If you are eligible, a VA loan can be the most reliable, affordable, and convenient financing option for your home. VA loan rates can vary depending on the purchase and the borrower. Fortunately, there are
There’s a lot of false information about VA loans. We often talk with people who have misconceptions about these loans, so we’d like to help by shedding light on a few common VA loan myths.
Choosing a loan can be difficult. With so many programs and options, knowing which one is right for your needs is confusing, overwhelming you to the point of frustration. But there is a right loan
When qualifying for a loan, it helps to use as much of your income as possible. If you’re retired, this creates challenges, as you likely receive limited incomes from multiple sources, such as a 401(k),
If you want to purchase a single parcel of land, the process is fairly simple. There is a clearly-defined, well-understood system for purchasing a single piece of property. Whether that property is for personal use,
Avoiding FHA mortgage insurance can be tough, but it’s not impossible. When you apply for your first mortgage loan, you might be surprised to see all the additional fees and expenses. Suddenly the number you
Purchasing a home comes with a few additional costs that may not be entirely clear. Realtor fees, closing costs, and home insurance are just a few of the things that can slowly drive up the
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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