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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,…

Securing a mortgage with foreign income can be challenging. As a result, we have put together this guide to help you understand how foreign income sources are treated when it…

When shopping for a home loan, you may encounter an adjustable-rate mortgage or ARM. Unlike a fixed-rate mortgage, where the interest rate remains the same throughout the life of the…

When it comes to fire insurance, understanding the different types of coverage and how they apply to your property is crucial. Two common types of coverage are Actual Cash Value…

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…

In today’s competitive residential real estate market, understanding cross-qualification has become essential for both buyers and sellers. This comprehensive guide explains what cross-qualification is, why it matters, and how it…

If you are applying for a mortgage loan and own foreign property or are looking to use foreign assets, you should let your mortgage lender know at the beginning of…

Conventional Loans Conventional loans are the single most common loans that people obtain when buying a home. All conventional loans meet standards set by the Federal Housing Finance Agency and…

A dollar saved is often better than a dollar earned since there are no taxes associated with it. That is, unless you have income streams that are non-taxable.  While non-taxable…

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…