Can I Use My Profit & Loss Statement Instead of a W-2?
If you’re self-employed or run your own business, you’ve probably wondered whether your profit and loss (P&L) statement can be used in place of a W-2 when applying for a mortgage. We know that for some business owners, this is a better representation of...
Buying or Refinancing in SoCal? Here’s What You Need to Know in 2025
If you’re considering buying a home or refinancing in 2025—especially in high-cost markets like Huntington Beach, Newport Beach, Irvine, Laguna Beach, Manhattan Beach, or Malibu—you already know this isn’t your average lending environment. Whether you’re a...
Mortgage FAQs During a Divorce
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,...
How Can I Qualify for a Mortgage If My Income is Seasonal or Fluctuating?
Buying a home is a dream that may feel out of reach if your income fluctuates dramatically or is greatly affected by seasonality. You may assume you won’t be able to qualify for a mortgage without the traditional income verification most lenders require, but we...
What is the Difference Between Pre-Qualification and Pre-Approval (& Which Do I Need?)
As you step into the mortgage lending world, there are many terms that can be confused with one another and even sound synonymous. Pre-qualification and pre-approval are a perfect example of this. Many people make the mistake of using the two interchangeably, but they...
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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.