What Is a Standalone Second Mortgage, and Why are High-Net-Worth Buyers Using Them?
In the world of luxury real estate, financing isn’t just about rates; it’s about strategy. For high-net-worth buyers and property owners, a standalone second mortgage is emerging as a smart wealth tool, not a last resort or an indication of financial...
Common Sense Underwriting for a Stated Income Loan in Orange County
If you’re looking for a non-QM loan option that allows you to show your eligibility without the traditional documentation, a stated income loan might be the perfect fit. This is a creative financing solution that will allow you to work toward your goals in real...
Is Asset-Based Lending for Luxury Properties a Smart Move?
If you’re a business owner considering a luxury real estate purchase, the financing you will choose is likely top of mind, including asset-based lending. You have probably already realized that traditional mortgage options don’t always work in your favor....How to Avoid Wire Fraud the Next Time You Buy Real Estate (with these FBI Tips)
There’s a lot at stake when you’re buying real estate, not just emotionally, but financially. If you’re financing your investment, there can be a unique element of risk that you need to be aware of to protect yourself. Buying or refinancing a home is...
What You Need to Know About Getting a Jumbo Loan
As you are navigating the home-buying or real estate investment process, particularly in high-cost real estate markets, you may come across the term “jumbo loan.” Unlike conventional loans, jumbo loans are designed for purchasing properties that exceed the...
Can a Cash Flow Investor Loan Can Help Me Buy Luxury Investment Properties?
If you’re a real estate investor looking to expand your portfolio into the luxury market, a cash flow investor loan might be the powerful financing tool you’ve been waiting for. With flexible approval criteria and a focus on rental income instead of personal...
Jumbo Loan vs. Conventional Loan: What’s the Difference and Which One Is Right for You?
If you’re shopping for a luxury home or looking to invest in high-value real estate, you need luxury home mortgage options and you’ve probably come across the term “jumbo loan.” But how does a jumbo loan differ from a conventional mortgage and, more importantly,...
Can I Qualify for a Mortgage with My Profit and Loss Statement?
A common question amongst self-employed borrowers is: Can I Qualify for a Mortgage with My Profit and Loss Statement? If you’re a self-employed business owner, freelancer, or entrepreneur, you’ve probably already discovered that getting a mortgage...
Can I Get a Second Mortgage without Letting Go of My Current Interest Rate?
If you’re one of the lucky ones who bought or refinanced when interest rates were in the 2’s and 3’s, you may be hesitant to tap into your home equity for a second mortgage even if it is a substantial amount. We have some great news! If you have...
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Here you’ll find tips, updates on mortgage laws and changes that can affect your loan or approval. Check back often for more great ideas.