Why You Need a Verified Approval Letter When Buying a Home in California
Obtaining a verified approval letter for a mortgage before searching for a home offers several advantages. Firstly, it provides a clear understanding of your budget and the price range within which you can comfortably shop. This knowledge helps narrow down your search...
Everything You Need to Know about a Co-Signer
Everything You Need to Know about a Co-Signer – In the process of applying for a mortgage, you may hear someone suggest you have a co-signer. There can be benefits to having a co-signer on your mortgage, but it is not necessary for everyone. Here’s what...
Qualifying for a Mortgage in 2023 as a Self-Employed Borrower
When you look for information about qualifying for a mortgage, most of what you find online is geared toward traditional borrowers with a W-2 and an employer. If you are self-employed, this might leave you wondering what the secret is to qualifying to buy a home when...
Why Does Debt-to-Income Ratio Matter?
Why Does Debt-to-Income Ratio Matter? There are multiple metrics lenders use to determine someone’s ability to repay a mortgage, as well as how much debt they are able to take on. The more you understand the mortgage approval process and what your lender is...
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,...
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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.