Debt-to-Income Ratio – How it’s calculated
It’s just as important as your credit score, yet it’s an often misunderstood or overlooked measurement of your ability to afford a mortgage. Your DTI… Read More »Debt-to-Income Ratio – How it’s calculated
How a Mortgage Loan Officer can Help you from Start to Finish
When you apply for a mortgage, you always deal with a loan officer. This is the person in your mortgage process that is your ally.… Read More »How a Mortgage Loan Officer can Help you from Start to Finish
What is a fixed rate mortgage?
A fixed-rate mortgage is a type of mortgage in which the interest rate doesn’t change throughout the life of the loan. Fixed-rate mortgages are popular… Read More »What is a fixed rate mortgage?
Low Appraised Value – Options and Next Steps
When you buy a home, if the appraised value is lower than the purchase price, it restricts how much a lender will lend because they… Read More »Low Appraised Value – Options and Next Steps
Bank Statement Home Loan – NonQM
A Bank statement loan is a type of home loan that doesn’t require w2s or tax returns for income verification. It’s a loan program perfect… Read More »Bank Statement Home Loan – NonQM
California Jumbo Loan – Requirements and Get Pre-approved
A California jumbo loan is one that’s worth more than the conforming loan limit in your area. This type of loan is usually needed if… Read More »California Jumbo Loan – Requirements and Get Pre-approved
What’s the First Step in Buying a House
The first step you should take when looking to buy a house is to determine how much house you can afford. There’s nothing worse than… Read More »What’s the First Step in Buying a House
6 Reasons to Refinance Your Home in 2023
This is a very important decision, and there are many factors to consider before you decide whether or not to refinance. In this post, we… Read More »6 Reasons to Refinance Your Home in 2023
FHA Home Loan – A First Time Home Buyer Loan
Guess how many FHA loans are originated each year? Any ideas? In 2019 alone, there were 777,419 home purchases, and 338,308 refinances made with an FHA… Read More »FHA Home Loan – A First Time Home Buyer Loan
Why Should I Pursue a Conventional Loan Over a Government Loan?
In a sellers market, like the one we are having now in 2022, realtors will take an offer with a borrower getting a Conventional loan… Read More »Why Should I Pursue a Conventional Loan Over a Government Loan?
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