The Buy Before You Sell (BBYS) mortgage loan program allows you to unlock equity from your current home before it sells. This gives you the power to write non-contingent offers…
Debt-to-Income Ratio (DTI) Explained: What It Includes vs. What It Doesn’t

When applying for a mortgage, one of the first things mortgage lenders look at for a borrower is the debt-to-income ratio (DTI). It’s a quick snapshot of how much of…
Interested in purchasing a condo or townhome? Here’s What You Need to be Aware of About Homeowners’ Associations (HOA):

Buying a condo or townhome can be an excellent choice for homeowners who want less maintenance and access to shared amenities. However, condos/townhomes typically come with a Homeowners’ Association (HOA)…
Understanding Amortization: Key Facts and Common Myths
A common concern about mortgages is that at the start of a new loan term, most of the monthly payment goes to interest vs principal reduction. While this is true,…
Los Angeles Homeowners and Wildfires: A Primer on How to Deal With the Aftermath
If you are impacted by the wildfires and are a homeowner in the Los Angeles area and are unsure of what to do about your mortgage, then here is a…
Reserves: What are They & How Do They Help?
One critical aspect of the loan process that often gets overlooked in mortgage lending is that of liquid savings – also known as reserves. This can become a major issue…
Letters of Explanation: Why They Are an Important Part of The Loan Application Process
Have you ever wondered why your mortgage lender is asking you to e-sign a letter that appears to be incredibly trivial on the surface or completely insignificant? Well, like many…
Home Equity Lines of Credit
Home Equity Lines of Credit (aka HELOCs) have become a common discussion topic when it comes to access to home equity. Many, if not most, individuals with a considerable amount…
New Product Offering: Temporary Buydown Provided!
We are happy to announce that in partnership with Rocket Mortgage, we are now offering a Temporary Buydown where we will provide the credit for the interest rate buydown for…
How to Qualify for a Mortgage with a New Job
When looking to qualify for a mortgage, one of the primary requirements is a steady/consistent job history. This does not mean that you have to be working for the last…
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