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Navigating the Mortgage Landscape with Knowledge and Expertise

Unlocking Wisdom: Mortgage Insights and Beyond

Our mission is to empower you with expert insights, up-to-the-minute industry knowledge, and actionable advice to make informed decisions about your home financing journey. Whether you're a first-time homebuyer, a seasoned homeowner, or a real estate professional, our blog is tailored to provide you with the latest trends, tips, and strategies for securing the best mortgage loan options. Join us as we demystify the mortgage process and guide you toward homeownership success. With Blog Insight, your path to mortgage mastery begins here.

How Much Home Equity Can (or should) I Borrow?

Rising home values in 2022 and into 2023 have contributed to overall market volatility and made it more challenging to be a buyer.

How Much Home Equity Can (or should) I Borrow?

Rising home values in 2022 and into 2023 have contributed to overall market volatility and made it more challenging to be a buyer.

How Much Home Equity Can (or should) I Borrow?

Rising home values in 2022 and into 2023 have contributed to overall market volatility and made it more challenging to be a buyer.

How Much Home Equity Can (or should) I Borrow?

Rising home values in 2022 and into 2023 have contributed to overall market volatility and made it more challenging to be a buyer.

How Much Home Equity Can (or should) I Borrow?

Rising home values in 2022 and into 2023 have contributed to overall market volatility and made it more challenging to be a buyer.

How Much Home Equity Can (or should) I Borrow?

Rising home values in 2022 and into 2023 have contributed to overall market volatility and made it more challenging to be a buyer.

Five commons

Home Buying Myths

01

I Do Not need 20% down to buy a home.

02

I Do Not need perfect credit to buy a home.

03

I Do need a dedicated Loan Agent.

04

A 30-year, fixed-rate mortgage is not always the best.

05

Buying a home is always better than renting.

06

Ask a Loan Office to compare FHA vs Conventional.

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City

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Our Loan Programs

5 - 8 UNIT

MIXED USE DSCR
  • •660+ FICO
  • •Min. DSCR 1.00
  • •Loans to $2MM
  • •Interest-Only Available
  • •5-8 Units Allowed
  • •$1M Max Cash-Out
  • •Mixed Use Limited to Retail/ Office

1099

Loans
  • •Credit Score Start at 660
  • •Loans to $ 4MM
  • •55% Max DTI (Primary)
  • •LTV to 90%
  • •Unlimited Cash Out
  • •Non-Warrantable Condos
  • •Condotels OK

Bank Statement Loans

  • •Credit Score-660
  • •Loans upto $ 4MM
  • •LTV to 90%
  • •55% Max DTI (Primary)
  • •Unlimited Cash Out
  • •Non-Warrantable Condos
  • •Condotels OK

Down Payment

Assistance
  • •Credit Scores Start at 600
  • •Up to 103% Max LTV*
  • •Up to 3.5% of the Appraised Value on FHA Loans
  • •Value on
  • •FHA Loans
  • •LTV* to 90%
  • •Primary Residence Only

CALHAF - Home

Assistance DPA
  • Credit Scores - 680
  • LTV to 97%
  • MI Required
  • Loans to 3% of the Appraised Value
  • Secondary Financing to accompany a CalFHA
  • Mortgage
  • First - Time Home Buyer Opportunity

Blanket DSCR

Loans
  • 680+ FICO
  • LTV* to 80%
  • Fixed Loan
  • Min. DSCR is 1.0
  • Loans to $6.25MM
  • Multiple Properties
  • Min. 2 and Max 25 Properties Allowed
  • Purchase, Rate & Term,
  • Cash-Out Allowed
  • Investor Opportunity

ITIN

Loans
  • Credit Scores - 680
  • LTV to 97%
  • MI Required
  • Loans to 3% of the Appraised Value
  • Secondary Financing to accompany a CalFHA
  • Mortgage
  • First - Time Home Buyer Opportunity

No Ratio

DSCR
  • 1
  • Credit Scores - 660
  • 2
  • Loans to $ 3MM
  • 3
  • LTV* to 75%
  • 4
  • Short Term Rentals (AirBnB/VRBO)
  • 5
  • Qualify off of Interest-Only Payments

Loan Tips

Homeownership Adventure

Turn your dream home into reality with our expert loan officers ready to guide you.

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