Down Payment Using My Tax Return?

Down Payment Using My Tax Return?

Have you been seriously looking into buying a home this year but struggling to come up with a down payment? One thing you can consider is using your tax refund. It’s actually common for many first-time homebuyers to use their tax refunds as a viable down payment...
Loan Denied? Here Are Your Next Steps

Loan Denied? Here Are Your Next Steps

Feeling lost when the door to a home loan seems to close? If you don’t qualify for a home loan in San Diego, there are several steps you can take to improve your financial situation and increase your chances of qualifying for a mortgage in the future. We’re...
Buying Rental Properties: Cash Vs. Mortgage

Buying Rental Properties: Cash Vs. Mortgage

  When it comes to buying rental properties, you can choose between making a cash purchase or securing a mortgage loan. Each method has its unique benefits and drawbacks. Here’s a comparison of purchasing rental properties outright with cash versus opting...
The Difference Between Using the Bank and a Mortgage Broker

The Difference Between Using the Bank and a Mortgage Broker

We get this question a lot from our first time buyers — are banks and mortgage brokers the same? The quick answer is no and here’s the definition and difference between the two. A bank offers you a home loan. They usually have a set rate and strict rules for approving...
How to Know if You Can Really Afford to Buy a Home

How to Know if You Can Really Afford to Buy a Home

If you’ve decided to buy a home and want to learn more about the financials, then you’re in the right place. You’re probably wondering how much you can afford. The following items are the most important money matters to consider. Know Your Debt-To-Income (DTI) Ratio...
VA Home Loan Advantages

VA Home Loan Advantages

One in every ten adults in San Diego County is a veteran of military service. Veterans home loans can help Veterans, service members, and their survivors to buy, build, improve, or refinance a home. You’ll still need to have the required credit and income for the loan...