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…
Understanding Adjustable-Rate Mortgages (ARMs): Are They Right for You?

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…
California Fire Insurance Coverage: Understanding Your Options

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…
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…
Cross Qualification in Residential Real Estate: What Buyers and Sellers Need to Know
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…
Foreign Property & Assets
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…
Common Residential Mortgages: A Primer on the Various Types of Loan Programs
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…
Income Calculations: Taxable vs Non-Taxable
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…
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…
Loan Pre-Approvals: A Step-by-Step Guide
Have you wondered what the mortgage loan pre-approval process looks like? While the loan process is similar across the mortgage industry, it will vary from lender to lender. Since we…
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