Expert guidance on California mortgages, market trends, and homebuyer education.
Yes, you can get a mortgage with a 580 credit score using FHA loans with 3.5% down. Learn your options and how to improve approval odds in California.
Learn how bank statement loans work for self-employed borrowers and business owners who can't document income with tax returns. California mortgage guide.
California's top down payment assistance programs for 2026: CalHFA MyHome ($10,000), Dream For All (20% shared equity), GSFA Platinum ($42,332 grant), plus county and city programs. Complete eligibility requirements and how to apply.
California DPA income limits range from $148K to $316K depending on county and program. Find out if you qualify and what options exist if you're over the limit.
California mortgage rates can be 0.25-0.5% higher due to jumbo loan thresholds and high-cost area factors. Learn when rates are competitive and how to save.
California property taxes are 1% of purchase price plus local assessments thanks to Prop 13. Learn how it affects your mortgage payment and tax bill.
California conforming loan limits for 2026 range from $832,750 to $1,249,125 depending on county. Find your county's limit and what it means for your mortgage.
Construction-to-permanent loans combine land purchase, building costs, and your mortgage into one loan. Learn how they work and what you need to qualify in California.
Discover Orange County down payment assistance programs for 2026. CalHFA, county grants, and local DPA options to help you buy your first home in OC.
Find Riverside County down payment assistance for 2026. CalHFA, HERO program, and local DPA options for first-time homebuyers in the Inland Empire.
Learn how DSCR loans let real estate investors qualify for investment property financing based on rental income alone - no tax returns, W-2s, or personal income verification required.
Comprehensive FHA loan guide for California 2025. Learn credit score requirements, county loan limits up to $1,209,750, MIP costs, and how to qualify with 3.5% down.
Learn how to finance your first rental property in California. Compare DSCR, conventional, and house hacking strategies for new real estate investors.
Complete guide for California first-time homebuyers. Learn about FHA, VA, conventional loans, CalHFA programs, down payment assistance, and how to avoid common mistakes.
Learn when hard money loans make sense for California fix-and-flip projects. Compare costs, calculate ROI, and discover if this financing option fits your investment strategy.
Current hard money loan rates in California range from 9-14%. Learn what factors affect your rate and how to negotiate better terms for your real estate project.
DTI over 43%? You still have options. FHA allows 50%, VA goes even higher, and non-QM loans offer flexible DTI limits. Learn your California options.
Complete guide to getting a mortgage after bankruptcy in California. Learn waiting periods for FHA, VA, Conventional, and USDA loans, credit rebuilding strategies, and Non-QM alternatives.
Understand 2026 mortgage rate forecasts, expert predictions, and strategies for California homebuyers. Learn when to lock vs. float and how to secure the best rate.
Discover how non-QM loans help self-employed borrowers, investors, and freelancers qualify for mortgages using bank statements instead of tax returns.
Under Prop 19, you can keep your parents' low property tax rate only if you move into the inherited home as your primary residence. Here's how it works.
Learn how California Proposition 19 affects property taxes for seniors 55 and over, disabled homeowners, wildfire victims, and inherited properties. Understand eligibility, deadlines, and how to file.
Complete guide to self-employed mortgages. Learn documentation requirements, income calculation, bank statement loans, and tips to boost approval odds.
California self-employed borrowers face unique mortgage challenges. Learn why planning 2 years ahead, balancing tax write-offs with income documentation, and understanding Schedule C calculations can make or break your home purchase.
Yes, veterans can use VA loan benefits multiple times. Learn how second-tier entitlement works, when you can have two VA loans at once, and California-specific considerations for using your VA benefit again.
Learn when refinancing your mortgage makes financial sense with our complete decision guide. Covers break-even analysis, refinance types, costs, and when NOT to refinance.