What to Know About Getting a Home Loan in California
It is no small feat when it comes to keeping track of your work when you are self-employed. There are often more hurdles to leap when applying for a mortgage when you are self-employed than wage-earning employees do. The personal income of the self-employed can appear...
5 Important Things to Know Before Applying for Your First Loan
There are a few things to consider when applying for your first loan, including checking over your credit to compare it with your monthly debt payments. If you are applying for your first personal loan it is important to have certain knowledge so you can provide this...
How to Qualify for a Mortgage in Today’s Market
How to Qualify for a Mortgage in Today’s Market – Ready to take the leap from renting to owning? Investing in real estate is one of the best things you can do for your financial stability and the future of your family. If you are new to buying real estate,...
Pros and Cons of an FHA Loan
Deciding which type of mortgage is right for you comes down to a combination of financial details and personal preference. If you are prepared with good credit and stable employment, you may be lucky enough to have multiple mortgage options when you prepare to buy...
5 Tips on Improving Your Credit Score in California
It is important to understand the general importance of a credit score, and what having a good score can mean for you and your future. The official definition of a credit score is summed as a numerical expression based upon a level analysis of an individual’s...
FAQs on Calculating Self-Employment Income for Mortgages
Frequently Asked Questions on Calculating Self-Employment Income for Mortgages by My Lender Jackie in California – home loans for self-employed Is it hard to obtain a mortgage when you are self-employed? Self-employed borrowers do face a higher level of...
Are No-Doc Loans Still Available in 2022?
Are No-Doc Loans Still Available in 2022? – If you have a less than traditional employment situation, maybe you are self-employed, maybe you do gig work, or something similar, you may still be able to get a no-document mortgage to help you purchase a home this...
10 Types of Borrowers Categorized as Self-Employed
For some mortgage borrowers, providing a monthly income calculation is not as black and white as it is for others. Those who perform freelance work, own a business, or independently contract out their work are considered as part of the “self-employed” set of borrowers...
HERO Loans: They Might Seem More Promising Than They Are
HERO Loans They Might Seem More Promising Than They Are What is a HERO loan? In the simplest of terms, a HERO loan is a government-backed mortgage product offered to those homeowners that would like help covering the cost of energy-efficient improvements made to their...
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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.