The ITIN Loan Program

ITIN is the acronym for Individual Tax Identification Number and is issued to Foreign Nationals and can be used in lieu of a social security number when a non-permanent resident alien applying for credit, employment and other areas where a social security number is required. For example, an individual wants to buy a home and […]

When the Fed Raises Rates: What It Means to You

When the Fed raises rates, it could affect your mortgage, especially if you have an adjustable-rate mortgage or a hybride loan.  You probably heard the Federal Reserve raised a key interest rate this week by 0.25% to 1.50%.  The Federal Funds rate may not be an everyday term consumers refer to but lenders certainly do. […]

The Benefits of a HELOC

Have you been thinking of tapping into your homeowner equity? Maybe you’re thinking of doing some minor to major remodeling? Adding a new room or maybe upgrading your kitchen? Well, you can always dip into your savings or checking account but once you pull out those funds they’ll be tied up equity in your home. […]

Restricted Stock Income: How You Can Use It to Qualify

Restricted Stock Income, sometimes referred to as restricted stock units, may be used in certain circumstances as qualifying income when needed. Yet not all lenders have programs that accept this type of income but we do and I know how to see if your restricted stock can be used to help qualify for the home […]

The Delayed Purchase Program

The Delayed Purchase Program (also referred to as the Delayed Finance Program) is a unique program that you might not have heard about before. So what exactly is it and how does it work?  The benefits might surprise you. How it Works In most any real estate market, when a seller sees an all-cash offer, […]

Can Rapid Rescore Help My Credit Score?

Your credit score is an important factor when not only determining a loan approval but can also affect an interest rate on a particular loan. At the same time, a credit score can be a moving target and do take some explaining to understand how they’re calculated. Further, it’s also no secret that credit scores […]

Financing a Hobby Farm

Have you ever thought about harvesting your own grapes or starting your own winery? What about planting a family orchard to reap apples, pears or oranges? Buying a home in a rural or semi-rural setting with plans to use the acreage for a hobby farm is more common than you might think. When it comes […]

The Pre-Approval Letter: Why You Need One

We do admit there are some confusing terms in the mortgage industry. It’s not on purpose and mortgage lending isn’t alone as it relates to industry jargon. Two of the sometimes confusing terms are “pre-qualification” and “pre-approval.” There is a distinct difference and could determine whether or not the sellers accept your offer or someone […]

Home Loans San Francisco

Of all the cities in the great state of California, San Francisco is undeniably the most breathtaking.  Here, the Golden Gate Bridge spans majestically across the San Francisco Bay and lush greenery intermingles with beautiful homes and condominiums in some of the most coveted neighborhoods in the country. San Francisco is an amazing place to […]

FHA Streamline Refinance

Why FHA Streamline Refinance is the Perfect Solution for Quick and Easy Refinancing? If you’re looking to refinance your home but want to avoid fees and piles of paperwork, then FHA streamline refinance might just be the solution you’re looking for. This is an option that more and more homeowners are now taking but it’s […]