The debate between getting an adjustable versus a fixed rate mortgage is always a pressing topic in the mortgage world. Both sides of the argument have fair and valid points, about the pros and cons of both mortgage options. On a fixed rate mortgage, your interest rate stays the same, which is great if interest… [Read More]

If you are self employed, it may feel difficult to try to obtain the mortgage financing you need. Some loan programs have very strict regulations for self employed clients, with documents that can be difficult to obtain if you are a small business. From 2 years of work history, to profit and loss schedules, it… [Read More]

When applying for a mortgage, typically you are required to submit a whole package of documents to be able to show your income history and pay, as well as assets. However, there are a few loan programs that allow for very limited documentation and stated income. This means that the income you state is the… [Read More]

When it comes to lending on real estate, and pulling cash out of your equity, most people may turn to a big bank or lender to help them get the loan that they need. The process can seem vague and confusing, and the process itself can feel like a headache. This is because big banks… [Read More]

Are you in a situation, where you just inherited a property and are not sure where to go from here? If you already own a home, you may be worried about having to keep up with the cost of both properties – from property taxes, to insurance, to maintenance. In areas like Orange County, San… [Read More]

When you have an investment property, one of the largest dilemmas is what you want to do with it. You’ve probably heard a lot of rhetoric about AirBnB, from sky high profits to extremely dry periods. Having an AirBnB is a lot of unpredictability, as well as extra work – but it can also be… [Read More]

Purchasing an investment property, or turning a home into an investment property, can feel like a daunting process. The first concern most people have is “how will I afford it?” Remodels, upgrades, and repairs can get pricey – and quickly. Plus, it’s really important to have an idea of what kind of income you could… [Read More]

When you are looking to get a mortgage, either in purchasing a home or pulling equity out of your home, there are a lot of different options at your fingertips. Some of the most common mortgage programs to get would be conventional loans, FHA loans, USDA loans, and VA loans. One distinctive trait about these… [Read More]