News
Malibu P&L Cash-Out: $2M Equity on an $8.4M Home
A Malibu family pulled $2 million in home equity in under 30 days using a P&L mortgage instead of tax returns.
· Jackie BarikhanWelcome to the Blog
Mortgage Insight for California's Real Financial Lives
Program guides, California market notes, and answers for self-employed and jumbo borrowers, written by Jackie Barikhan.
News
Huntington Beach P&L Purchase After a Bank Denial
A $2.1 million purchase closed in three weeks on a profit-and-loss mortgage after a traditional bank said no.
· Jackie Barikhan
News
Dana Point Second Mortgage on a $7M Home
$750,000 behind an existing first loan, documented with a P&L, closed in three weeks.
· Jackie Barikhan
Blog
Orange County Bridge Loans for Move-Up Buyers: How to Buy Before You Sell Without Guessing on Equity
Orange County bridge loans for move-up buyers. Compare bridge, HELOC, and cash-out options to buy before you sell without guessing on equity.
· Jackie Barikhan
Loan Programs · Jumbo
2026 California Jumbo Loan Limits: What Buyers and Refinancers Need to Know
Where does a jumbo loan actually begin in California this year? The 2026 conforming limits, high-cost county thresholds, and how self-employed buyers still qualify.
· Jackie Barikhan
Blog
Huntington Beach Condo Loans: What Coastal Buyers Need to Know About HOAs, Insurance, and Appraisal
Huntington Beach condo buyers do not usually lose deals because they lack interest. They lose them when HOA rules, master insurance, project approval,...
· Jackie Barikhan
Loan Approvals
Why a Second Opinion Could Save Your Luxury Home Purchase (Even If Your First Lender Said No)
In California’s ultra-competitive luxury real estate market, where multimillion-dollar homes in Los Angeles, Orange County, San Diego, Santa Barbara, and...
· Jackie Barikhan
Purchasing a Home
Simple Ways to Feel Ready Before You Start Home Financing
The Early Conversations and Prep Habits That Reduce Stress Buying a home in Huntington Beach or anywhere along the beautiful California coast is an...
· Jackie Barikhan
Purchasing a Home
Why the Person Guiding Your Home Financing Matters as Much as the Numbers
Beyond Interest Rates: The Value of a Trusted Mortgage Advisor Buying a home is arguably one of the most significant financial decisions you will ever...
· Jackie Barikhan
Loan Programs
Bank Statement Loans in California: How Self-Employed Buyers Prove Income When Tax Returns Undervalue the Real Story
If you are a California entrepreneur, consultant, creative, or business owner shopping for a home, you already know the awkward moment. Your lifestyle and...
· Jackie Barikhan
Loan Programs
California Bridge Loans for Self-Employed Homeowners
California Bridge Loans Case Study: Buying a $2.5 Million Laguna Hills Home Before Selling The buyers had found their next home, but much of the money...
· Jackie Barikhan
Loan Programs
The Self-Employed Borrower With Inconsistent Income
Two years of tax returns are the conventional lender’s primary tool for evaluating a self-employed borrower, and the tool works reasonably well when the...
· Jackie Barikhan
Loan Programs
Who Qualifies For Stated Income Loans in Today's Market?
Stated income loans have a reputation that trails the product by about fifteen years. The no-documentation loans that contributed to the 2008 financial...
· Jackie Barikhan
Loan Programs
When the Tax Return Says No - DSCR Says Yes
The file came in looking like a dead end. An experienced investor out of the Phoenix metro, with five existing rentals and a track record that actually...
· Jackie Barikhan2026
- Orange County Bridge Loans for Move-Up Buyers: How to Buy Before You Sell Without Guessing on Equity
- Huntington Beach Condo Loans: What Coastal Buyers Need to Know About HOAs, Insurance, and Appraisal
- Why a Second Opinion Could Save Your Luxury Home Purchase (Even If Your First Lender Said No)
- Simple Ways to Feel Ready Before You Start Home Financing
- Why the Person Guiding Your Home Financing Matters as Much as the Numbers
- Bank Statement Loans in California: How Self-Employed Buyers Prove Income When Tax Returns Undervalue the Real Story
- California Bridge Loans for Self-Employed Homeowners
- The Self-Employed Borrower With Inconsistent Income
- Who Qualifies For Stated Income Loans in Today's Market?
- When the Tax Return Says No - DSCR Says Yes
- How Retirees Can Qualify For Mortgages Without a Salary
- Case Study: Closing a Multi-Million Dollar Loan Without Tax Returns
- The Basics of Asset Depletion Loans Explained Simply
- Why Traditional Income Verification Fails Entrepreneurs and Business Owners
- Why High Net Worth Individuals Use Assets-Based Lending
- How Stated Income Loans Help High Earners Qualify Without Traditional Documentation
- Assets vs Income: A New Way to Think About Mortgage Qualification
- The Hidden Cost of Home Equity Loans (And Better Alternatives)
- Case Study: Turning a Costly Home Tap Loan into a Strategic Refinance
- How to Replace High-Interest Debt with Smarter Mortgage Strategies
- How You Can Qualify for a Mortgage Using Assets Instead of Income
- What High-Net-Worth Borrowers Should Know Before Refinancing Luxury Homes
- What Does "Assets as Income" Mean in Mortgage Lending?
- How a $7.7M Malibu Refinance Eliminated an Expensive Home Equity Loan
- How to Use Rental Income to Qualify for a Home Loan
- What Retirees Need to Know About Getting a Mortgage in California
- How Divorce or Separation Affects Mortgage Qualification
- Mortgage Strategies for Tech Professionals With Stock-Based Income
- The Real Cost of Waiting to Buy in a High-Price Market
- How to Buy a Second Home in California Without Selling Your First
- Bridge Loans Explained for California Move-Up Buyers
- How Interest-Only Mortgages Work for Luxury Home Buyers
- What Credit Score Do You Really Need for a Jumbo Loan in 2026?
- How High-Income W-2 Buyers Can Compete With Cash Offers in California
- Credit Score Myths in Luxury Lending
- Refinancing Strategies for High Net Worth Borrowers
- Should You Wait for 2026 Loan Limits to Refinance a Jumbo Mortgage?
- Why Refinancing Might Actually Work in 2026
- Why High-Net-Worth Borrowers Often Avoid Traditional Mortgages
- Why Liquidity Matters More Than Income for Luxury Homebuyers in Southern California
- Common Myths About Non-QM Jumbo Loans (and Why They're Holding Buyers Back)
- How to Buy Your Dream Home in Southern California with a Non-QM Jumbo Loan
- What Is DROP, and Why California Homebuyers and Homeowners Should Care
- What Does Not Qualify for Keeping the Old Tax Base
- Breaking the W-2 Myth: Modern Income, Modern Mortgages
- Why Non-QM Loans Are the Hidden Shortcut for Entrepreneurs Who Want to Buy in 2026
- Why Liquidity Matters More Than Interest Rate for High-Net-Worth Buyers
2025
- What High-Net-Worth Buyers Are Doing Differently Heading Into Next Year
- The Biggest Mortgage Mistakes Successful Buyers Made This Year (and How to Avoid Them)
- Why Traditional Mortgage Advice Failed So Many Buyers This Year
- How to Prepare Financially for a Non-QM Luxury Home Purchase in 2026
- Non-QM Loans for House Hackers: What Creative Buyers Need to Know
- How High-Net-Worth Buyers Use Non-QM Loans to Keep Cash Invested
- The Rise of Non-QM Loans: Why More Southern California Buyers Are Choosing Alternative Financing in 2025
- What is an 80-10-10 Loan?
- The One Thing I Wish I Knew Before Getting a Mortgage for the First Time
- Are Non-QM Loans Safe? Understanding the Regulations and Protections Before You Apply
- The Best Cities for DSCR Investing in Southern California Right Now
- Bank Statement Loans in Los Angeles: The Mortgage Hack Every Self-Employed Buyer Should Know
- Entertainment Industry Mortgages: How Actors, Musicians & Producers Qualify Using Non-QM Loans
- Buying Rental Properties in LA or Orange County Without Traditional Income? Here's How Cash Flow Investor Loans Make It Possible
- Why Non-QM Loans Are Surging in Southern California's High-Income, High-Home-Price Market
- The Pros and Cons of Non-QM Mortgages for Today's Homebuyers in Southern California
- How Non-QM Loans Are Opening Doors for First-Time Buyers With Unique Incomes
- Why Non-QM Loans Are Perfect for Tech Entrepreneurs and Freelancers
- Non-QM Loans vs Conventional Mortgages: Which One Fits Your Financial Profile?
- Today's Non-QM Loans Are Nothing Like the Pre-2008 Subprime Mortgages
- The Entrepreneur's Guide to Qualifying for a Mortgage Without a Traditional W-2
- Watch Out for These Myths About Buying a Luxury Home as a Small Business Owner
- Common Mistakes Luxury Homebuyers Make in Southern California When Applying for Jumbo Loans
- Down Payment FAQs for Self-Employed Homebuyers in Southern California
- How High Net Worth Borrowers Are Using Jumbo Non-QM Loans
- Why Cash Flow Matters More Than Tax Returns: Understanding P&L and Bank Statement Loans for Luxury Properties
- How to Close Fast on a Luxury Home When Traditional Underwriting Would Slow You Down
- Bank Statement Loans Explained: A Mortgage Solution for Entrepreneurs & Freelancers
- The Best Mortgage Options for Self-Employed Buyers in California
- Why Is It Hard for Self-Employed to Get a Mortgage? (And the Easiest Mortgage Options for Self-Employed Borrowers in Southern California)
- The $2.4M Irvine Jumbo Loan We Helped Our Clients Close on in 21 Days | Profit & Loss Mortgage Success Story
- Jumbo Loans Without W-2s: Buying a Luxury Home in Southern California
- Self-Employed Home Loan Options: Mortgages Without Tax Returns
- What Is a Non-QM Loan and Who Actually Benefits from One?
- Self-Employed Home Loans in California: Your Bank Statement & Jumbo Mortgage Options
- How to Refinance and Get Out of a Home Tap Loan in California
- Our Client's $7.7M Malibu Jumbo Cash-Out Refinance Success Story
- Why You Don't Need to Be Intimidated By Jumbo Loans
- Creative California Jumbo Loan Solution - $8M Mortgage Closed Fast | Jackie Barikhan
- How We Helped Our High-Net Worth Self-Employed Borrower Secure a Luxury Irvine Property
- What I Wish More Buyers Knew About Jumbo Loans Before Shopping for Luxury Real Estate
- How Top Real Estate Investors Use Cash Flow Loans Without W-2s
- How Self-Employed Buyers Can Qualify for Luxury Mortgages in Southern California
- Can I Use My Profit & Loss Statement Instead of a W-2?
- Why Financing a Luxury Home Might Be Smarter Than Paying Cash, Even If You Can Afford It
- DSCR: What They Are, and Why High-Net Worth Investors Use Them
- Luxury Mortgage Pre-Approval in Southern California: How It Works for Million-Dollar Properties
- What the One Big Beautiful Bill Act Means for Homeowners and Real Estate Investors (And How We Can Help)
- Buying or Refinancing in SoCal? Here's What You Need to Know in 2025
- Financing International Income: How Non-QM Loans Support Global Buyers
- Why High-Net-Worth Buyers are Turning to Non-QM Loans to Build Their Portfolios
- Is It Better to Finance a Luxury Property or Pay Cash? Your Tax Questions Answered
- Jumbo Loan FAQs: What Luxury Homebuyers Need to Know
- What Is a Standalone Second Mortgage, and Why are High-Net-Worth Buyers Using Them?
- Common Sense Underwriting for a Stated Income Loan in Orange County
- Is Asset-Based Lending for Luxury Properties a Smart Move?
- How to Avoid Wire Fraud the Next Time You Buy Real Estate (with these FBI Tips)
- What You Need to Know About Getting a Jumbo Loan
- Can a Cash Flow Investor Loan Can Help Me Buy Luxury Investment Properties?
- Jumbo Loan vs. Conventional Loan: What's the Difference and Which One Is Right for You?
- Can I Qualify for a Mortgage with My Profit and Loss Statement?
- Can I Get a Second Mortgage without Letting Go of My Current Interest Rate?
- What are Discount Points, and Should I Buy Some?
- Can a Cash Flow Investor Loan Help Me Invest in Real Estate Faster?
- What are the Interest Rates for a Non-QM Loan?
- Are Non-QM Loans Too High Risk?
- Bosses Don't Rent! (How to Be an Owner)
- Is It Faster to Get a Non-QM Loan than a Traditional Mortgage?
- How is a Non-QM Loan Different, and Why Should I Consider One?
- Are the Higher Interest Rates on a Non-QM Loan Worth It?
- Is the Documentation for a Bank Statement Loan More Complicated?
- Mortgage FAQs During a Divorce
- How Can I Qualify for a Mortgage If My Income is Seasonal or Fluctuating?
- Getting a Mortgage When You're Self-Employed: It's Easier Than You Think
- Maximizing Tax Deductions & Buying Luxury Real Estate - You Can Have Both!
- Buying Luxury Real Estate Without Using Tax Returns
- How Do Mortgages Work If You're Self-Employed?
- Why PMI Isn't a Good Reason to Delay Buying a Home (And When You Can Stop It)
- Ready to Buy Your First Home? Here's How It Works
- How Does the Pre-Approval Process Work?
2024
- Jumbo Loans: What You Need to Know About Financing Luxury Homes
- Choosing Between a Fixed Rate and Adjustable Rate Mortgage
- How to Save for a Down Payment Without Feeling Overwhelmed
- Debunking Common Mortgage Myths: Arming Yourself with Accurate Information
- Why Buying a Home Now May Be Smarter Than Waiting for Lower Mortgage Rates
- Starter Home vs. Forever Home: Finding the Right Fit for Your Journey
- Understanding Your Mortgage Payment: Principal, Interest, Taxes, and Insurance
- Surprising Things That Can Lower Your Credit Score, Even If They're Good Financial Moves
- Should I Choose a 15 or 30 Year Mortgage?
- 11 Reasons You Should List Your Home During the Holidays
- What is the Difference Between Pre-Qualification and Pre-Approval (& Which Do I Need?)
- Three Honest Mistakes That Can Impact Your Ability to Close on a Mortgage
- Why Savvy Real Estate Investors are Turning to Non-QM Mortgages
- Watch Out for These Myths About Non-QM Loans
- Understanding What Happens with Loan Approval During Escrow
- The Challenges of Buying a Home When You are Your Own Boss
- Choosing the Right Mortgage for Your Financial Situation
- Signs You're Ready to Become a Homeowner
- Prepare to Buy a Home with These Mortgage Tips
- Which is Better: Fixed Rate or ARM?
- Why a Cash Flow Mortgage is Better than Using Home Equity to Invest
- Stated Income Loan Applications are Easier Than You Think
- DTI for Stated Income Loans
- Can I Use a Stated Income Loan for a Multi-Family Property?
- Can I Use Gift Funds for a Stated Income Loan?
- Applying for a Mortgage without a 5406-C IVES
- How to Determine Stated Income as a Self Employed Borrower
- Comparing Non-QM and Traditional Mortgages
- No Doc Loan Programs
- How to Optimize Your DTI Before Applying for a Mortgage
- Before You Buy an Investment Property
- Cash Flow Mortgages FAQ
- What Not to Do After Getting Pre-Approved for Your Mortgage
- Common Mortgage Misconceptions
- How Can I Become a Homeowner with These Market Conditions?
- Is a Bank Statement Loan a Bad Idea?
- Things You Can Do Today to Boost Your Credit Score
- How High a Credit Score Can Go, and How to Get Yours There
- Setting the Budget for Your Starter Home
- Non-QM Loan Terms You May Not Know
- What You Need to Know About a Non-QM Mortgage
- Who is the Best Fit for a Cash Flow Mortgage?
- Common Myths About Bank Statement Loans
- 2024 is Your Year for Investing in Real Estate
2023
- 3 New Years Resolutions for 2024 to Help You Buy a House
- Closing Cost FAQs
- Tips to Help You Save for a House
- What to Know About Buying a Fixer Upper as an Investment Property
- How to Choose the Right Mortgage as a Real Estate Investor
- Where to Look for an Investment Property
- Mortgage Backed Securities for Dummies - MBS 101 [2023]
- Am I Ready for an Investment Property?
- Why is it Hard to Qualify for a Mortgage While Self-Employed in California?
- Tips for First Time Real Estate Investors in California
- What to Do When You're Denied a Mortgage as a Self-Employed Borrower
- Common Mistakes Made by First Time Real Estate Investors
- Leveraging Your Home Equity to Buy an Investment Property
- How to Buy Your First Investment Property without Major Capitol
- Q and A about cash flow investor loan program (stated)
- Choosing a Good Home Lender - Discussing the different types of loan programs available depending on situation.
- How to Use Your Home Equity to Get Started with Real Estate Investing
- Best Mortgage for First Time Real Estate Investors
- Benefits of Investing in Real Estate
- Unlocking Mortgage Wisdom: Navigating Bank Statement Loans and Beyond with Jackie Barikhan
- What is DSCR and How Does it Relate to a Cash Flow Mortgage?
- 5 Real Estate Investing Myths You Should Ignore
- 5 Reasons to Invest in Real Estate
- How to Invest in Real Estate without a W-2
- No Doc Loan and Home Mortgages
- Differences Between Bank Statement and Traditional Mortgages
- Cash Flow Mortgages for Investors
- How is a Bank Statement Loan Different from a Traditional Loan?
- What is Mortgage Insurance, and Do I Need It?
- How to Get into Real Estate Investing with House Hacking in 2023
- How to Make Yourself a Strong Applicant for a Non-Traditional Mortgage
- Keys to Qualifying for a Mortgage in 2023
- Why You Need a Verified Approval Letter When Buying a Home in California
- What is an Appraisal and Why Does it Matter?
- How to Get Into Real Estate Investing with Limited Capital
- Can I Get a Mortgage with Bank Statements in 2023?
- Property Investment Strategies for Beginners
- Steps for Buying a Home in California in 2023
- Everything You Need to Know about a Co-Signer
- Qualifying for a Mortgage in 2023 as a Self-Employed Borrower
- Why You Shouldn't Wait to Apply for a Mortgage
- Tips to Moving with Pets 2023
- Does the Length of My Credit History Matter?
- Donating and Decluttering Before A Move
- What is PMI and How Do I Know If I'll Have to Pay It?
- How Alimony and Child Support Affect Your Mortgage Application
- 3 Common Challenges for Self-Employed Mortgage Borrowers
- 7 Things to Avoid After Applying for a Mortgage
- Why Does Debt-to-Income Ratio Matter?
- What Do Lenders Want to See from a Self-Employed Borrower?
- Should You Refinance in 2023?
- Can I Refinance if I'm Self-Employed?
2022
- Is Raising Your Credit Score Your New Year's Resolution?
- 2-1 Buydowns for Self Employed Borrowers
- What to Know about Discount Points
- What to Do Before Applying for a Self-Employed Mortgage
- Home Loan Options For Buyers With A Small Down Payment
- The Details of A Conventional Loan
- DSCR Loans for Investors
- How To Choose Your Mortgage Lender
- Home Loan Options for Self Employed
- 5 Signs You Might Have Chosen the Wrong Lender
- What to Know About Getting a Home Loan in California
- 5 Important Things to Know Before Applying for Your First Loan
- How to Qualify for a Mortgage in Today's Market
- Pros and Cons of an FHA Loan
- 5 Tips on Improving Your Credit Score in California
- FAQs on Calculating Self-Employment Income for Mortgages
- Are No-Doc Loans Still Available in 2022?
- 10 Types of Borrowers Categorized as Self-Employed
- HERO Loans: They Might Seem More Promising Than They Are
- Are You Having Trouble Getting Out of a Ygrene or HERO Program?
- Second Home Financing Looks Different in 2022
- House Flip Financing- 4 Alternative Loans to Look For
- California has a New Forgivable Equity Builder Loan Program
- Different Types of Rental Property Loans
- How to Use a Cash Flow Loan Instead of Tax Returns for Investment Property
- Ways To Make Moving While Expecting Easier On Moms-To-Be
- Tips for Non-QM Mortgage Approval - When Conventional Just Won't Do
- 4 Major Factors of a Housing Crash and Why We Aren't in One
- Obtaining a Mortgage without a Job
- Non QM Loans After Bankruptcy or Foreclosure
- Applying for a Non-QM Loan After Traditional Loan Denial
- Reasons a Non-QM Mortgage Might be Better Than a Traditional One
- How to Get a Home Loan Without Tax Returns
- Mortgage Tips for Single People with Children
- How Many Mortgage Lenders Should You Apply To?
- Federal Reserve Actions Could Make Getting Mortgages Easier
- Will Larger Conforming Loan Limits Bring a Housing Crisis?
2021
- New Mortgage Program Proposal
- Solutions for the End of Mortgage Forbearance
- Mortgages Near $1 Mill. Backed by Fannie Mae and Freddie Mac
- Frequently Asked Questions About Bank Statements for Mortgages
- Mortgage Lenders are Increasing Jumbo Mortgage Limits
- 3 Items Lenders Hope Not to Find in Bank Statements
- Reasons Mortgages Get Held Up in Underwriting
- What Does a Mortgage Lender Look for When they Ask for Bank Statements?
- Stated Income Mortgage Options 2021
- Are There Jumbo Loans Available in California with 5% Down?
- Rent Payments Can Now Be Considered in Credit History
- Right Now is a Great Time to Refinance Investment Properties
- Jumbo Loans are More Accessible Right Now - Should You Get One?
- General Qualifiers for Jumbo Mortgages
- Jumbo Loan Down Payment Requirements in 2021
- Debt Service Coverage Ratio Loans
- New Mortgage Options for Teachers and First Responders
- Adverse Market Fee on Refinances has Been Dropped
- Should You Pay Off Your Mortgage Early?
- What is a Blanket Mortgage, and Who Should Get One?
- How Many Names Can Be on a Mortgage?
- The Reason Jumbo Mortgage Rates are Lower
- How to Refinance the Mortgage on a Rental Property
- Mortgage Requirements are Beginning to Ease Up for Borrowers
- New Mortgage Refinance Could Help Millions of Homeowners
- Tips to Boost Your Credit Score to Obtain the Best Mortgage Rates
- Mortgages for Second Home and Vacation Homes in 2021
- New Jumbo Loan Mortgage Only Available in California
- How Mortgage Interest Rates Impact A Home Buying Budget
- Should You Be Concerned Mortgage Rates Have Risen to 3%?
- Why Lenders Offer Different Mortgage Interest Rates to the Same Applicant
- What Not to Do After Mortgage Pre-Approval
- How the New FICO "Resilience" Credit Score Could Help Borrowers
- 5 Things Not to Say When Applying for a Mortgage
- Pros and Cons of Applying for a Mortgage Without Your Spouse
- How to Get a Mortgage After Foreclosure
- Can I Use an FHA 203(k) Loan to Purchase a Fixer Upper
2020
- What Does the New Refinance Fee Mean for Borrowers?
- Is it Wise to Buy a Car Using a Home Equity Loan
- What is a Second Mortgage?
- Is Refinancing from an FHA Loan to a Conventional Loan an Good Idea?
- Today's Financing Options That Will Save Homeowners from Foreclosure
- What Are Rate and Term Financing?
- Why Fannie Mae and Freddie Mac Impact Every Mortgage
- Can You Refinance a Mortgage on a COVID Forbearance Plan?
- How to Start Saving Money for a House
- 6 Steps to Finding the Best Mortgage
- Using a Construction Loan to Build Your Dream House
- How Long-Term and Short-Term Loans Differ
- How Soon Can I Buy a Home After Bankruptcy
- 5 Steps to Protecting Your Credit Score During a Pandemic
- Can Cash-Out Refinances Help Reduce Debt?
- How Working with a Broker is Different from a Lender
- New Mortgage Requirements for Self-Employed Borrowers
- The Basics of No-Closing-Cost Refinances
- What Mortgage Rate Can I Get Compared to the Average Rate?
- Locking in a Mortgage Rate as Buyer's Get Competitive
- Tips for Scoring Lower Rates and Speedier Closings on Mortgages Right Now
- Home Equity Loans Begin to Tighten Qualifications
- What to Know When Asking About Mortgage Forbearance
- What You Need to Know About an E-Closing
- Buying a House Sight Unseen? Avoid These 8 Mistakes
- What is a HELOC? Pros and Cons
- Answers to Mortgage Questions During COVID-19
- Answers to Questions Many People are Wondering About Mortgages due to Corona Virus
- How to Keep Your Finances Stabilized
- When Will This Chaotic Mortgage Market Settle Down?
- Pros and Cons of an Adjustable Rate Mortgage
- FICO Credit Scoring System will be Changing This Summer
- The Importance of Completing a Transfer Disclosure Statement Before Selling Your Home
- 7 Common Mistakes to Refinancing
- What to Do if You've Been Denied for a Mortgage Part 2
- What to Do If You've Been Denied for a Mortgage Part 1
- 7 Tips to Help Reduce Closing Costs
- Your Credit Score and Your Mortgage
- California New Home Buyer Programs in 2020
- Obtain a Mortgage When You are Newly Self-Employed
- 5 Mortgage Advice Tips for First-Time Orange County Homebuyers
- Mortgage Rate Predictions for 2020
2019
- Can I Use a Refinance to Buy a Second Home?
- Difference Between Bank Statement Loans and Stated Income
- Stated Income Loans are Ideal for Real Estate Investors
- Tailored Pre-Approval Letters Can Help in a Bidding War
- Stated Income Loans 2019
- How Do Down Payment Assistance Programs Work?
- Is it Better to Get a 10, 15, 20 or 30-Year Mortgage?
- Are You Getting All 5 Tax Breaks for Homeowners?
- Is a 20% Down Payment Really the Best?
- 5 Reasons Your Loan May Not Be Approved
- Should I Look at Homes First or Apply for a Loan?
- Top Mistakes Many First Time Buyers Make
- When Should We Get Pre-Approved for a Mortgage?
- What Will it Cost You If You Wait to Buy?
- Common Real Estate and Mortgage Terms
- Is the Housing Market Cooling Off?
- Common Sense Reasons to Buy a House with a Mortgage
- FAQ for Self Employed Home Loans
- What is a No Doc Mortgage?
- Home Loans for Fixer Uppers - 203K Loan
- What to Expect When Financing a Rental
- VA Loan Limits Eliminated
- How Does a Mortgage Loan Officer Get Paid?
- How to Go From Renting to Owning
- Can Your Lender Offer Legal Advice?
- Can I Refinance if I'm Self Employed?
- YOU MAY BE A WINNER! And Other Ridiculous Bank Adverts
- What Are Some Low Down Payment Mortgage Options?
- VA Loans Extremely Beneficial to Military
- Not as Much Deductions? How the 2018 Law Affects Homeowners
- 3 Extremely Important Things You Should Know About the Housing Market
- How to Determine Fair Market Value
- How to Get Out of the YGRENE HERO-PACE Loan
- Do Reverse Mortgages Put People at Risk for Losing Their Home?
- Will My Credit Score Affect My Chances of Getting a Home Loan?
- What Happens if the Appraisal Comes in Too Low?
- Bank Statements are the New Stated Income Loan
- FHA Loan Limits for Multi-Use Unit Homes
- How Much Is My VA Funding Fee?
- How Will the Government Shut Down Affect Mortgages?
2018
- Wire Fraud in Real Estate - What to Be Aware of
- Should Sellers Get a Home Inspection Before Listing?
- Is There Ever a Good Reason for an Adjustable Rate Mortgage?
- Is a Bridge Loan a Good Idea?
- Buying Down Your Interest Rate
- What is a Mortgage Rate Lock?
- Should I Buy a House or a Condo?
- Are We at the Top of the Real Estate Market?
- How a Bank Statement Mortgage Works
- Secrets to a Real Estate Appraisal
- Mortgage for Self-Employed Borrowers
- How Much Money Goes To the Economy With a Home Purchase?
- Hidden Things That Can Ruin Your Credit Score
- Will My Student Loan Affect My Chances of Getting a Home Loan?
- When Does it Make Sense to Refinance?
- Avoid Home Loan Pre-Approval Shaming
- How to Get Out of a HERO Loan
- Can I Still Buy a Home with No Down Payment?
- PACE- HERO - YGRENE Loans Failed to Help Homeowners
- How to Deal with a Mortgage After a Breakup
- 7 Simple Steps to an Easy Refinance
- When Can I Qualify for a Mortgage After Bankruptcy?
- Want to Remodel But Can't Save That Much? Time to Refinance
- 3 Things to Do if You Want to Buy But Can't Afford a Down Payment
- 12 Homebuying Tips from a Frequent Home Buyer
- 6 Key Things That Help You Qualify for a Mortgage
- The 3 Best Mortgage Tips for May 2018
- Can I Get a Home Loan or Refinance if I'm Self-Employed?
- Is RocketMortgage Worth It?
- 2 Major Myths That May Be Holding Back Buyers
- Keeping Your Mortgage Approval Approved!
- Top 4 Best Dog Parks & Beaches in Orange County
- HECM - The Reverse Mortgage With Literally No Drawbacks
- Interest Rates are still Historically low - 2018!
- How Does the New 2018 Tax Plan Affect Homeowners?
- How Many Smoke Detectors and CO Alarms Should a House Have?
- If Mortgage Rates Rise Will Home Prices Drop?
2017
- 5 Financial Perks of Being a First-Time Homebuyer
- Who Pays Closing Costs on a Home?
- How Do I Increase My FICO Score?
- Are You Ready to Buy a House Together?
- Some of the Most Common Questions When Buying a Home
- Major Changes to the Reverse Mortgage Program
- Which is Better? Loan Modification or Refinance?
- Lake Forest - A Dining Celebration!
- Getting Mortgage Approval After Loan Modification
- What is Debt to Income Ratio?
- Understanding Debt and What Your Options Are
- 10% Down Payment on Jumbo Loan
- Pros and Cons to the 15-Year Mortgage
- What You Need to Be Ready for Your Home Loan Application
- Buying Your First House After 60
- 100% Paper-Free Mortgage Applications?
- Should I Go With the Builders Lender?
- Can I Still Buy a House with Low Income?
- Is the HERO Program a Good Idea?
- 5 Ways to Tell if a Loan Officer is Ripping You Off
- How Can I Raise My Credit Score Quickly?
- Secrets to a Great VA Home Loan
- How to Do a Cash-Out Refinance on a Rental
- When Should I Lock in a Mortgage Rate?
- Can I Buy a House with Poor Credit?
- Should I Refinance Before Rates Go too High?
- How to Get Rid of Mortgage Insurance or a 2nd Mortgage
- Dog Grooming Contest in Pasadena
- Tips for Single Women Home Buyers
- How to Buy a House When Your Partner Has Bad Credit
- Getting a Mortgage in 2017? Here's What You Should Know
- How to Buy a House After a Foreclosure or Short Sale
- How Renters Can Come Up With a Down Payment
- Mortgage Insurance Reductions - More People Can Afford a Home
- How Long Does it Take to Increase My Credit Score?
- How Do I Qualify for a First Time Buyer Mortgage?
2016
- Is Financing Different for a Tiny House?
- Loan Limits Increasing Starting January 1, 2017
- Should You Pay Off Your Mortgage As Quickly as Possible?
- My Husband Won't Give Me Money for the Mortgage
- New Changes to FHA Could Save Buyers Thousands
- Are Interest Rates Higher for Condominiums?
- How Long Will a Bankruptcy or Foreclosure Keep Me From Buying a Home?
- Refinancing After Mortgage Modification
- Can I Still Buy a Home With Bad Credit?
- The 4 Biggest Refinance Questions
- What is the HomeReady™ Program and Do I Qualify?
- Foreclosure or Short Sale- What is Worse For Your Credit Score
- When Does Refinancing Make Sense?
- Could the Pre-Approval Letter Be Pointless?
- 3% Down Payment Home Loan With No Mortgage Insurance
- How To Appeal Your Property Tax Bill
- Are Low Down Payment Mortgages The New Normal?
- FREE CREDIT REPORT
- How Much Home Can You Afford?
- Handy Checklist for Home Comparison (Printable)
- No Closing Cost Refinance
- Reasons to Get a VA Loan in California
- 7 Steps to Getting a Home Loan in California
- 50 Ways You Might Get Declined for a Mortgage
- Jobs, Employment Lake Forest, CA
- First Time Homebuyer - Keep It Simple
- Mortgage Rates are LOW -2016 Forecast
- Groom Expo West - Pasadena
- 10 Commandments During Home Loan Process
- Wondering About The Weather in Lake Forest?
- Top 10 Ways to Prepare for Property Appraisal
- Get Schooled in Lake Forest
- So… You want to live in Lake Forest?
2015
- Best Christmas Lights Lake Forest
- Getting a Home Loan with Bad Credit - How long to wait?
- The Rules Have Changed for Mortgage Loans
- Year of the Boomerang Buyer - Home Loans After Bankruptcy
- How Rising Interest Rates affect Borrowers and Affordability
- 5 Fast Ways to Raise My Credit Score
- 7 Tricks to Help Your Purchase Offer Stand Out From the Crowd
- Think Twice Before You Lease Solar Panels for Your Home
- Property Types Eligible for VA Loans in California
2014
- Getting A California Home Loan: Why So Many Documents?
- 100% Cash-Out VA Refinance
- Rate Locks & Good Faith Estimates… Know the difference!
- How Many Times Can You Refinance with a VA IRRRL?
- When To Know It's Time To Refinance Your Home Loan
- 10 Reasons Homeownership Is Better Than Renting
- "HELP! I've fallen and I can't get up!" (Mortgage Rates)
- Pre-Approval vs. Home Loan Pre-Qualification
- Documents Required for a New Home Loan - Purchase or Refinance
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