What are Discount Points, and Should I Buy Some?

by mylenderjackie | May 6, 2025 | Purchasing a Home

Have you hear of discount points? Smart borrowers are looking for ways to maximize their buying power by lowering their interest rates as much as possible. While we know that each of our buyer will have different needs, the best possible interest rate seems to be one...

Can a Cash Flow Investor Loan Help Me Invest in Real Estate Faster?

by mylenderjackie | Apr 28, 2025 | Loan Programs

When it comes to investing in real estate in Southern California, the earlier you can start building your portfolio, the better which is where a cash flow investor comes in. Time is your most powerful tool in investing, but it might feel like time is not on your side...

What are the Interest Rates for a Non-QM Loan?

by mylenderjackie | Apr 14, 2025 | Loan Programs

A non-QM loan can be a dream solution for borrowers ready to buy real estate, for whom a traditional mortgage just isn’t the right fit, but many borrowers are worried about interest rates. Maybe you have the assets and income to invest, but your tax returns...

Are Non-QM Loans Too High Risk?

by mylenderjackie | Apr 11, 2025 | Loan Programs

When it comes to buying a home or investment property, traditional mortgage loans are often the first stop. But for many buyers—especially self-employed individuals, real estate investors, or those with unique financial situations— a traditional mortgage simply...

Bosses Don’t Rent! (How to Be an Owner)

by mylenderjackie | Apr 2, 2025 | Loan Programs

Bosses Don’t Rent! (How to Be an Owner) – Whether you’re starting a business or already own one and are interested in learning more about a No Ratio mortgage, how it works, and the best way to qualify to buy a home this post is for you! Bosses Don’t...

Is It Faster to Get a Non-QM Loan than a Traditional Mortgage?

by mylenderjackie | Apr 1, 2025 | Loan Programs

A non-QM mortgage can be the unique solution you’re looking for when you want to buy real estate, but don’t fit the typical mold. For self-employed borrowers, individuals who make most of their income from investments, or anyone who wants to qualify...

How is a Non-QM Loan Different, and Why Should I Consider One?

by mylenderjackie | Mar 27, 2025 | Loan Programs

If you’ve heard of a non-QM loan but aren’t sure if it’s right for you, then you’ve come to the right place. We have developed an expertise in connecting our clients with the financing that best aligns with their needs and goals. If...

Are the Higher Interest Rates on a Non-QM Loan Worth It?

by mylenderjackie | Mar 20, 2025 | Loan Programs

One reason some of our clients have delayed in applying for a non-QM loan like a bank statement mortgage or cash flow investment loan is the interest rates. In many cases, the mortgage interest rate for a non-QM loan will be a bit above what you would get with a...

Is the Documentation for a Bank Statement Loan More Complicated?

by mylenderjackie | Mar 13, 2025 | Loan Programs

Bank statement loans can be a streamlined alternative to traditional mortgage applications. For many hopeful homebuyers—especially self-employed individuals, business owners, and freelancers—getting approved for a mortgage using traditional income documentation can be...

Mortgage FAQs During a Divorce

by mylenderjackie | Feb 26, 2025 | Loan Approvals

Mortgage FAQs During a Divorce – If you are in the middle of the divorce process, you may be wondering how this will affect your mortgage options. In this challenging transitional period, we are here to help. To speak with a loan officer about refinancing,...