Not every borrower fits neatly into a conventional mortgage box. In fact, as homeownership has become more dynamic and diverse, so too have the mortgage options available. If you’re self-employed, an investor, or someone with complex income streams, there’s good news — you’re no longer out of luck. There’s been a significant rise in non-QM…
Read More
Understanding VA Loan Refinance Options for Surviving Spouses Losing a spouse is one of life’s most challenging experiences, especially when that spouse served in the military. Beyond the emotional weight, surviving spouses often face financial uncertainties, including the question of how to keep or refinance their home. Fortunately, the VA home loan benefit doesn’t always…
Read More
What Down Payment Assistance Programs Are Available—and Do I Qualify? If you’re trying to buy your first home and wondering how to come up with a down payment, you’re not alone. With higher home prices and interest rates in the 6.5% to 7% range, more buyers are actively searching for help with their down payment…
Read More
Not every borrower fits neatly into the traditional mortgage box—and that’s okay. Whether you’re self-employed, investing in rental properties, have complex income streams, or experienced credit hiccups, there are still options available. That’s where non-QM loans come in. Non-QM (non-qualified mortgage) loans are designed for borrowers who don’t meet the standard income, credit, or documentation…
Read More
Navigating VA Loans in Community Property States: A Guide for Married Couples in Sonoma and Lake County, California Buying a home is a monumental step, and securing a VA loan can be a fantastic option for veterans looking to make that dream a reality. However, living in a community property state like California adds a…
Read More
Getting mortgage loan financing requires you providing a blend of good cash, ample credit, and income to offset a proposed new expense i.e. a mortgage loan. You must have the right blend of all three in order to purchase or refinance a home. What might not make sense however is the lifeline that’s going to…
Read More
When buying a home most would believe the number one most important thing you need to be focused on is what you pay for the house. Mom and dad who bought their house years ago, Grandma and Grandpa who bought their house back in the early 1980s when housing prices were $40,000 all have an…
Read More
Securing mortgage loan financing is the cornerstone of financial prosperity in America. It’s one of the biggest decisions you’ll ever take on your life. Here’s watch to avoid when applying for a high-ticket mortgage… Make no mistake the way mortgage companies must originate loans is 100% controlled by the federal government. That means the “asks”…
Read More