In this article, we will explain what a rapid rescore is and how it could help you qualify for a mortgage loan in California. Most home buyers in California have never even heard of a rapid rescore. Even so, many…
In this article: the key differences between bridge loans and HELOCs, and how to choose the best financing strategy for your particular situation. When it comes to short-term financing options, bridge loans and home equity lines of credit (HELOCs) are…
If you're a real estate investor in California exploring your financing options, you've probably encountered the term "debt service coverage ratio," or DSCR. These specialized loans allow real estate investors to finance income-generating commercial and rental properties based on the…
In this article: an explanation of "high DTI" mortgage loans for California home buyers who have a high level of debt. For many Californians, the dream of owning a home might seem out of reach due to high housing costs…
Summary: Tech workers in the San Francisco Bay Area (and elsewhere) often use restricted stock units to qualify for mortgage loans. These RSUs, for short, can be counted toward total income, helping the borrower qualify for a home loan. But…
Have you applied for a mortgage loan in California in the past, only to have your application denied by the lender? If so, you might not be entirely out of options. We have been able to approve borrowers who were…
Self-employment offers a lot of freedom and flexibility. But it can also pose some unique challenges, when it comes to qualifying for a mortgage loan in California. Without a traditional W-2 type of income, self-employed borrowers can have a harder…
First-time home buyers in California often look for ways to make a low down payment when purchasing a house, making it a top priority. There are two main reasons for this: First-time buyers don't have profits from a previous sale…
We've written about credit scores many times in the past. On this page, you'll find links to some of our best articles about credit scores, and how they relate to the mortgage and home buying process in California. At a…
The COVID pandemic caused a sharp increase in the number of remote jobs across California and the rest of the nation. And while the pandemic has fortunately eased, interest in remote job opportunities remains elevated. A common question among work-from-home…
