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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.
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
2023-01-11 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
2022-12-14 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
2022-10-24 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
2022-08-09 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
2022-07-13 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
2022-05-03 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
2022-03-29 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
2021-12-18 21:08
Recently five US senators introduced a bill that could help families with modest means build wealth through homeownership. This new proposal is called the LIFT Act, or Low-Income First-Time… Read More
2021-10-17 18:32
Stated income loans are not as widely available as they were prior to the recession of 2008 when several houses went into foreclosure. These no-document mortgages became harder to find in fa… Read More
General Qualifiers For Jumbo Mortgages
2021-09-13 18:03
General Qualifiers for Jumbo Mortgages – If you are needing a home loan that covers more than $548,250, or $822,375 in more expensive housing markets across California, you will need a… Read More
Debt Service Coverage Ratio Loans
2021-08-30 18:27
What is a Debt Service Coverage Ratio (DSCR) Loan? A debt service coverage ratio loan, or DSCR is a helpful option to finance real estate investments. The real estate investment market has b… Read More
Should You Pay Off Your Mortgage Early?
2021-07-19 19:08
The thought of paying off your mortgage early is an exciting one as you will no longer have to pay interest on your home. But both the pros and cons of paying off your mortgage early should… Read More
How Many Names Can Be On A Mortgage?
2021-07-05 15:46
As home prices increase it is not uncommon for homebuyers to purchase a home with another party. But how many names can you have on a single mortgage? The answer to this question is that the… Read More
The Reason Jumbo Mortgage Rates Are Lower
2021-06-14 17:18
A jumbo mortgage is one that loans out a larger amount of money than the highest amount allowable to loan out for a conforming or conventional loan. Currently, jumbo mortgage interest rates… Read More
What Not To Do After Mortgage Pre-Approval
2021-03-01 17:00
Getting pre-approved for a loan should be the first and is the best step you can take in your home buying process. Before even looking at homes, you should talk to a mortgage broker or lend… Read More
2021-01-18 16:03
Going through a foreclosure is no small deal and it is not an easy one either. Many past homeowners begin to give up hope of ever owning a home again after they have been through a foreclosu… Read More
What Is A Second Mortgage?
2020-11-30 19:32
A second mortgage, which is sometimes called a junior lien, can be an option for turning your equity into available funds without having to sell the home. A second mortgage will increase you… Read More
What Are Rate And Term Financing?
2020-10-26 18:22
A rate and term refinance can be a useful way to save money on your home loan. What Is It? Basically, a rate and term refinance is a loan improvement. It allows you to exchange your old mort… Read More
How To Start Saving Money For A House
2020-09-21 16:37
Saving money to purchase a home may seem big, daunting, scary, unattainable, or always just out of reach. Don’t let your fears or apprehensions stop you from getting closer to the dre… Read More
6 Steps To Finding The Best Mortgage
2020-09-07 18:38
Applying for a mortgage on your home is more than just going down to your bank and taking the first offer given to you. It is best to shop around so you know you are receiving the best offer… Read More
How Long-Term And Short-Term Loans Differ
2020-08-24 15:28
How Long-Term and Short-Term Loans Differ – As the pandemic is still a large presence around the country and pandemic induced low-interest rates are still at all-time lows, it is still… Read More
How Soon Can I Buy A Home After Bankruptcy
2020-08-17 17:48
Qualifying for a mortgage loan that would enable you to purchase a home after filing for bankruptcy may seem like a crazy dream. Bankruptcy tends to cast shame or paint a filer as a person w… Read More
Can Cash-Out Refinances Help Reduce Debt?
2020-08-06 15:22
If you have mounting debts that you are struggling to pay off and feel like you will never get beyond just paying the high interest, you may be looking for ways to help pay the debt down. On… Read More
2020-07-13 19:53
Right now a large number of home owners are hoping to take advantage of historically low interest rates and refinance so they can lower their monthly mortgage payment. Is a no-closing-cost l… Read More

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