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What High-Net-Worth Borrowers Should Know Before Refinancing Luxury Homes
High-net-worth borrowers who've refinanced a primary residence before and assume a luxury refinance scales up proportionally tend to find out otherwise somewhere in the middle of the process. The loan amount is where the differences start. Everything downstream from...
What Does “Assets as Income” Mean in Mortgage Lending?
Most mortgage qualification conversations start and end with income: what do you make? How long have you made it? And can you prove it? Will assets as income count? For a large portion of borrowers, that framework works fine. For another group; retirees living off...
How a $7.7M Malibu Refinance Eliminated an Expensive Home Equity Loan
Home Tap loans and equity sharing agreements get marketed as a straightforward way to unlock cash from a home without taking on debt. No monthly payments and no interest rate to worry about; just a company taking a stake in the future appreciation of the property in...
How to Use Rental Income to Qualify for a Home Loan
Rental income sounds like it should make mortgage qualification easier. More income is more income, the logic goes, and lenders should be happy to count it. The reality is more complicated than that, and the gap between what a rental property generates and what a...
What Retirees Need to Know About Getting a Mortgage in California
Retirement doesn't disqualify anyone from getting a mortgage in California. That's the first thing worth saying because a surprising number of retirees assume it does that, without a W-2 and an active employer, lenders won't take the application seriously. What...