2024-04-18 01:19
If you’ve never applied for a mortgage before, there are plenty of ideas you might have that are causing unnecessary stress or leading you in the wrong direction. There are quite a few… Read More
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Read intersecting blogs about California Mortgage and get useful information about Real Estate and mortgage for Orange County, LA County, Riverside County, Ventura County, San Bernardino County and San Diego County.
2024-03-22 01:01
If you are hoping to become a homeowner in the future, we know that you might be like many of our clients and feel discouraged by the increased interest rates and market conditions that make… Read More
2024-03-12 21:56
As you go through the process of buying a home, specifically finding the right financing option for you, anything that sounds unconventional may have you feeling cautious, such as a bank sta… Read More
2024-02-20 22:11
The higher your credit score, the better your mortgage options will be. If you are considering buying a home this year, or even further in the future, one of the best things you can do is ma… Read More
2024-02-13 02:50
A credit score is a number you may not think about often, but it’s a key factor in the home buying process. You may have often heard that a high credit score will help you get the best… Read More
2024-02-08 16:20
Setting out to buy a starter home is exciting, but it’s also daunting for many of our clients. Trying to determine how much you can afford is likely at the top of your list of concerns… Read More
2024-01-29 16:40
One of the challenging aspects of applying for a loan is making sure you understand all of the terms. While we are always here to answer your questions about your loan application, it might… Read More
2024-01-25 16:45
Are you preparing to buy a home or investment property and considering your financing options? Non-Qualified Mortgages (also called non-QM mortgages) have emerged as an alternative option fo… Read More
2024-01-18 18:08
A cash flow mortgage investor loan is a type of mortgage designed for investors who prioritize generating positive cash flow from their real estate investments. Unlike traditional mortgages… Read More
2024-01-10 19:00
Bank statement loans have gained popularity as an alternative financing option, especially for self-employed individuals or those with non-traditional income sources. However, like any finan… Read More
2024-01-02 18:24
Investing in real estate is becoming a common investmen opportunity among many American’s in today’s society. As we enter a new year, take advantage of the inspiration and motiva… Read More
2023-12-29 18:21
It’s that time, time to set your New Years Resolutions for the upcoming year. As you consider your goals for 2024, is buying a home something that makes the list? We know that sifting… Read More
2023-12-20 17:02
Closing costs are an essential part of the mortgage process, and we know you might have questions about them. These costs, incurred at the closing of your transaction, cover a list of fees a… Read More
2023-12-11 16:47
Buying your first home is exciting, but it’s no secret that is can be overwhelming, too. One of the biggest stressors for first time homebuyers tends to be figuring out how to save for… Read More
2023-12-04 17:54
Have you been wondering if buying a fixer upper is a smart investment move? When you realize the potential offered by real estate investing to build financial stability, generate passive inc… Read More
2023-11-28 16:39
When you decide to get into real estate investing, securing the right financing is a crucial step towards achieving success. The availability of various loan options can be overwhelming, esp… Read More
2023-11-20 08:30
One of the best ways to combat inflation is to own real estate, and owning an investment property can provide even more safeguards to offset increased costs. If you are looking into buying y… Read More
2023-11-13 15:00
Mortgage Backed Securities for Dummies (Just Kidding) – MBS 101
Let me share with you the several factors that influence Mortgage Backed Securities which determines what rate you will… Read More
2023-11-13 08:30
Building your passive income and creating a financial legacy are some of the many reasons people choose to buy an investment property. There is an extensive list of benefits associated with… Read More
2023-10-30 16:03
If you are self-employed and hoping to buy a home in California, there are going to be some hurdles in your way with many of the application processes. Many self-employed people wonder how t… Read More
2023-10-25 18:11
If you’re a first time real estate investor, you may be reeling while trying to figure out the best place to start. Real estate investing in California is one of the best ways to build… Read More
2023-10-17 18:02
Have you been denied your mortgage application as a self-employed person? Even when you are confident you can afford the amount you are applying to borrow, many lenders might not approve you… Read More
2023-10-09 17:10
Investing in real estate is one of the best ways to diversify your portfolio and build passive income. Buying even just one investment property can totally change the financial future of bot… Read More
2023-10-02 15:50
For homeowners looking to expand their investment portfolio or generate additional income, leveraging home equity to buy an investment property can be a the right strategy. By tapping into t… Read More
2023-09-25 16:18
Owning an investment property can be rewarding and lucrative, offering the potential for long-term financial stability and building generational wealth. For many, buying their first investme… Read More
2023-09-19 19:30
Interview transcript from the closed captioned interview:
Steve O: Good afternoon, everyone! Welcome to another exciting episode of “Ask the Expert Show.” Today, we’… Read More
2023-09-19 19:23
Interview transcript from the closed captioned interview:
Steve O: Hey, good morning. Welcome to another SC Experts, where we bring you the top experts in the fields of legal, health… Read More
2023-09-18 18:43
Real estate investment is a lucrative venture that can provide financial security and build generational wealth. One way to kickstart your real estate investment journey is by leveraging you… Read More
2023-09-05 19:42
If you’re a first time real estate investor, you may be left with many questions, one being, what is the best mortgage to use for your investment property? Investing in income properti… Read More
2023-08-31 16:24
You’ve likely heard plenty of buzz around investing in real estate as a smart way to build financial freedom, passive income, and generational wealth. Investing in real estate can offe… Read More
2023-08-28 17:09
Introduction: “Welcome to the Ask The Expert show on W4CY radio and talk for TV, where we… Read More
2023-08-23 16:23
A cash flow mortgage is the perfect solution for those looking to borrow money for an income property. It allows you to qualify for the mortgage based on the income potential of the property… Read More
2023-08-15 17:00
If you are interested in real estate investing, either to become a homeowner or to increase your net worth and create passive income, this article is for you. There are many myths you will h… Read More
2023-08-09 04:49
Looking for ways to invest and create new financial opportunities? One of the best investments, experts agree, is to invest in real estate.
5 Reasons to Invest in Real Estate
1. Appreciation… Read More
2023-08-04 16:54
If you are looking for ways to get into real estate investing, you’re not alone. When individuals realize the potential for passive income, building generational wealth, and finding fi… Read More
2023-08-04 14:37
No Doc Loan and Home Mortgages W4CY: July 18, 2023 – Jackie Barikhan – My Lender Jackie
NO DOC mortgage – Learning details of the NO DOC home loan program – Jackie B… Read More
2023-07-24 17:50
A bank statement mortgage, also known as a self-employed mortgage or a non-traditional mortgage, is a type of home loan designed for individuals who have non-traditional income documentation… Read More
2023-07-20 15:49
We offer a variety of mortgage options, but we specialize in Cash Flow Mortgages. Cash flow mortgages can be an ideal solution for real estate investors, providing a unique opportunity to in… Read More
2023-07-11 16:40
With so many types of mortgages out there, many homeowner hopefuls don’t realize that bank statement loans may be their key to homeownership. One of the most important criteria that al… Read More
2023-07-05 21:00
If you are preparing to buy your first home, the number of acronyms and terms you’re hearing can start to run together and feel overwhelming. One term that you may see mentioned is &ld&hell…Read More
2023-06-29 04:25
Investing in real estate has remained one of the best ways to create financial freedom and build generational wealth, but it can seem unattainable for those of us without a large amount of c… Read More
2023-06-20 14:59
Applying for a mortgage is a major milestone, with lots of emotion attached. Before applying for mortgage pre-approval, most people want to know what they can do to be the strongest possible… Read More
2023-06-15 04:43
Mortgage rate increases are all over the news, leading some hopeful homebuyers to wonder if 2023 is still a good year to buy a home. Even if you will pay a higher interest rate than you woul… Read More
2023-06-08 16:59
Obtaining a verified approval letter for a mortgage before searching for a home offers several advantages. Firstly, it provides a clear understanding of your budget and the price range withi… Read More
2023-05-30 16:49
What is an Appraisal and Why Does it Matter? During the home buying process, numerous steps must be taken to finally purchase your home. Even after you have been pre-approved for a mortgage… Read More
2023-05-22 16:04
Investing with Limited Capital – Real estate investing is one of the best ways to create passive income and build wealth. If you are interested in getting into real estate investing bu… Read More
2023-05-16 18:15
Can I Get a Mortgage with Bank Statements – The typical mortgage application process does not work for everyone. Submitting proof of income and employment is easier said than done for… Read More
2023-05-10 15:33
Property Investment Strategies for Beginners – Investing in real estate can be a powerful way to create passive income or initiate a new career. If you are considering property investm… Read More
2023-04-25 14:18
As you prepare for buying a home in California in 2023, it helps to understand the typical home-buying process. Each person’s journey to homeownership is unique, but there are some sta… Read More
2023-04-18 15:22
Everything You Need to Know about a Co-Signer – In the process of applying for a mortgage, you may hear someone suggest you have a co-signer. There can be benefits to having a co-signe… Read More
2023-04-12 14:33
When you look for information about qualifying for a mortgage, most of what you find online is geared toward traditional borrowers with a W-2 and an employer. If you are self-employed, this… Read More
2023-04-02 20:37
Why You Shouldn’t Wait to Apply for a Mortgage – There are plenty of factors that might be leading you to wait on applying for a mortgage. Maybe you are worried about how to qual… Read More
2023-03-27 15:23
Moving can be stressful for the entire household, including pets. Moving brings plenty of noise, change in routine, and added hustle and bustle. It’s easy for both humans and pets to g… Read More
2023-03-15 17:04
Does the Length of My Credit History Matter? – Your credit score is one of the most important metrics underwriters look at to determine your eligibility for a mortgage. This 3-digit nu… Read More
2023-03-15 15:13
The process of decluttering doesn’t have to be complicated. Start by making time to sort through your belongings before the move. The more time you have, the better, as it allows you t… Read More
2023-03-07 20:06
What is PMI and How Do I Know If I’ll Have to Pay It? The more you research buying a home, the more acronyms you will come across. If you’re feeling lost among all the new terms… Read More
2023-02-20 17:42
Buying a home after divorce can be complicated, especially if your income is a combination of your wages, alimony, child support or if you are the one making alimony or child support payment… Read More
2023-02-14 15:45
Common Challenges for Self-Employed Mortgage Borrowers – Qualifying for a mortgage as a self-employed borrower is entirely possible, especially with knowledgeable professionals on your… Read More
2023-01-30 21:16
7 Things to Avoid After Applying for a Mortgage – “Congratulations, you were pre-approved for your mortgage!” This exciting message likely comes with a sigh of relief, and… Read More
2023-01-24 20:12
Why Does Debt-to-Income Ratio Matter? There are multiple metrics lenders use to determine someone’s ability to repay a mortgage, as well as how much debt they are able to take on. The… Read More
2023-01-16 20:17
What Do Lenders Want to See from a Self-Employed Borrower? – Are you a self-employed borrower hoping to buy a home in the new year? Qualifying for a mortgage without traditional proof… Read More
2023-01-11 17:21
Should You Refinance in 2023? – The refinancing storm of the past few years has calmed down significantly as the FED has raised the federal funds rate, but that doesn’t mean your… Read More
2023-01-04 15:27
Refinancing as a self-employed person might seem out of reach. Without typical proof of income or tax returns to prove to your lender that you can afford your home, qualifying for a traditio… Read More
2022-12-26 19:47
Is Raising Your Credit Score Your New Year’s Resolution? – Trying to decide on a good New Year’s resolution for 2023? Consider making yours work to raise your credit score… Read More
2022-12-14 16:36
Mortgage FAQs During a Divorce – If you are in the middle of the divorce process, you may be wondering how this will affect your mortgage options. In this challenging transitional peri… Read More
2022-11-29 17:01
2-1 Buydowns for Self Employed Borrowers – Have you heard about a 2-1 buydown? This mortgage solution can provide borrowers with an way to lower their mortgage interest rate temporaril… Read More
2022-11-21 18:59
Are you looking for creative solutions to make buying a home today affordable? With rising interest rates, some buyers are concerned about how to afford the home they want. One of the soluti… Read More
2022-11-15 17:39
Qualifying for a self-employed mortgage without a traditional job may sound stressful. When you realize that your lender will need proof of income, and your income is variable or has a short… Read More
2022-11-08 21:45
Home Loan Options For Buyers With A Small Down Payment – If you are buying a home, then you are most likely looking for a home loan. Many people who don’t have the funds for a do… Read More
2022-10-24 21:22
Do you remember the first time you thought about purchasing a home? You most likely had the best and most aesthetically pleasing home in your mind’s eye. All of these fun imaginative i… Read More
2022-10-17 20:59
DSCR Loans for Investors – Looking for a creative way to invest in real estate without verifying income? A DSCR loan might be the perfect way to spice up your real estate portfolio. By… Read More
2022-10-11 14:23
When you want to purchase a home you usually contact a real estate agent first. They will then put you in contact with a mortgage lender if you haven’t already started working with one… Read More
2022-09-27 17:09
Home Loan Options for Self Employed – When you’re self-employed and you want to buy a home, you fill out the same mortgage application as everyone else. Mortgage Lender… Read More
2022-09-19 20:02
Bosses Don’t Rent! (How to Be an Owner) – Whether you’re starting a business or already own one and are interested in learning more about a No Ratio mortgage, how it works… Read More
2022-09-11 17:03
I have heard some stories over the years of clients that had a less than happy ending with their mor… Read More
2022-09-05 19:22
It is no small feat when it comes to keeping track of your work when you are self-employed. There are often more hurdles to leap when applying for a mortgage when you are self-employed than… Read More
2022-08-30 20:08
There are a few things to consider when applying for your first loan, including checking over your credit to compare it with your monthly debt payments. If you are applying for your first pe… Read More
2022-08-16 16:10
How to Qualify for a Mortgage in Today’s Market – Ready to take the leap from renting to owning? Investing in real estate is one of the best things you can do for your financial… Read More
2022-08-09 15:21
Deciding which type of mortgage is right for you comes down to a combination of financial details and personal preference. If you are prepared with good credit and stable employment, you may… Read More
2022-08-01 17:36
It is important to understand the general importance of a credit score, and what having a good score can mean for you and your future. The official definition of a credit score is summed as… Read More
2022-07-20 14:49
Frequently Asked Questions on Calculating Self-Employment Income for Mortgages by My Lender Jackie in California – home loans for self-employed
Is it hard to obtain a mortgage when you… Read More
2022-07-13 17:17
Are No-Doc Loans Still Available in 2022? – If you have a less than traditional employment situation, maybe you are self-employed, maybe you do gig work, or something similar, you may… Read More
2022-07-05 17:34
For some mortgage borrowers, providing a monthly income calculation is not as black and white as it is for others. Those who perform freelance work, own a business, or independently contract… Read More
2022-06-29 17:07
HERO Loans They Might Seem More Promising Than They Are
What is a HERO loan?
In the simplest of terms, a HERO loan is a government-backed mortgage product offered to those homeowners that wo… Read More
2022-06-21 13:20
Are You Having Trouble Getting Out of a Ygrene or HERO Program? In theory, the overall objective of the HERO or Ygrene loan programs under the PACE program seems like a helpful and beneficia… Read More
2022-06-07 16:59
Second homes can be a great way to invest and grow your wealth. On top of that, you have an amazing place to vacation whenever you want in one of your favorite places. Second-home ownership… Read More
2022-05-24 17:31
House Flip Financing – What Options Are There? Quick climbs in home values have led to an interest in many homebuyers and investors looking at the possibility of house flipping. This i… Read More
2022-05-17 16:09
The state of California has launched a new equity builder loan program in hopes to help first-time buyers become homeowners in a highly competitive market. This program is called a forgivabl… Read More
2022-05-03 16:27
Different Types of Rental Property Loans – Financing a rental property through a mortgage loan can be a good way to increase your income through real estate investment. You want to mak… Read More
2022-04-26 14:07
An investor cash flow loan is also sometimes recognized as a debt service coverage ratio loan. This type of loan is designed specifically for real estate investors hoping to use other means… Read More
2022-04-21 18:31
Easier moving can start with thorough preparation. Not only are expecting moms required to handle the chores of prepping the new place on top of packing the old, but they must always be thin… Read More
2022-04-19 03:34
If you have applied for a traditional or conventional loan and been denied approval you are not alone. In fact, there are many borrowers that are perfectly capable of repaying a loan that do… Read More
2022-04-11 19:52
With interest rates increasing and home prices seeming to skyrocket, many people are fearful that the real estate market is heading for a big bubble burst or a gigantic crash. But learning f… Read More
2022-03-29 13:35
Is it Possible to Get a Mortgage Without a Job?
It is a possibility to obtain a mortgage loan or to refinance your current home loan when you are currently unemployed for whatever reason, be… Read More
2022-03-14 15:37
Non QM Loans After Bankruptcy or Foreclosure – Home prices have been climbing at very quick rates over the last few years, especially in 2021. They are expected to increase and the hou… Read More
2022-03-07 16:08
The non-QM loan is another name for non-conforming home mortgage loan programs. These types of loans do not have to stick to the parameters and requirement rules set by federal entities in o… Read More
2022-02-28 16:44
Reasons a Non-QM Mortgage Might be Better Than a Traditional One – Not every person hoping to purchase a home will be able to qualify for a traditional conventional 30-year fixed-rate… Read More
2022-01-31 23:34
Get Rid of Your HERO Loan Today
Let’s See How Much You Can Save… Read More
2022-01-24 21:06
If you’re single and responsible for the care of one or more children in your home it can be more challenging to purchase a home as compared to a couple of people using a dual income t… Read More
2022-01-19 20:46
How Many Mortgage Lenders Should You Apply To? It is not uncommon to hear that you should shop around when applying for a mortgage. But what is often not advised is just how many different m… Read More
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