How High-Net-Worth Buyers Use Non-QM Loans to Keep Cash Invested

by mylenderjackie | Dec 15, 2025 | Loan Programs

For high-net-worth buyers in Southern California, purchasing a luxury home is rarely about whether they can afford it — it’s about how to finance it strategically. Increasingly, affluent buyers are turning to non-QM loans not out of necessity, but as a deliberate...

The Rise of Non-QM Loans: Why More Southern California Buyers Are Choosing Alternative Financing in 2025

by mylenderjackie | Dec 11, 2025 | Loan Programs

For decades, we’ve been finding financing solutions for homebuyers in Southern California, and that means we can identify the trends in the mortgage world. Southern California buyers—from Orange County to San Diego, Los Angeles to the Inland Empire—are...

What is an 80-10-10 Loan?

by mylenderjackie | Dec 9, 2025 | Loan Programs

If you don’t have 20% down but want to avoid paying private mortgage insurance (PMI), an 80-10-10 loan may be the right strategy. Also known as a piggyback or combination loan, it involves three parts: 80% first mortgage 10% second mortgage (home equity loan or HELOC)...

Are Non-QM Loans Safe? Understanding the Regulations and Protections Before You Apply

by mylenderjackie | Dec 1, 2025 | Loan Programs

A common concern we hear about non-QM loans is that they’re too good to be true, and simply too risky. If you’re considering a non-QM loan, you might be wondering whether they’re similar to the risky, loosely documented loans that contributed to the 2008...

The Best Cities for DSCR Investing in Southern California Right Now

by mylenderjackie | Nov 24, 2025 | Loan Programs

Do your 2026 goals include investing in a rental property in Southern California? If you’re exploring DSCR loans in Southern California as a strategy for growing your real estate portfolio, you’re on the right track. Investor demand for these loans—also...

Entertainment Industry Mortgages: How Actors, Musicians & Producers Qualify Using Non-QM Loans

by mylenderjackie | Nov 19, 2025 | Loan Programs

If you work in the entertainment industry in Los Angeles—whether you’re an actor, musician, producer, or behind-the-scenes creative—you already know traditional lenders don’t always understand how your income works. From variable paychecks to contract-based...