Certain debts on a credit report can be excluded when a lender calculates a borrower’s debt-to-income ratio. Removing approved debts from the debt-to-income ratio can make it easier for a…

The most important step in the homebuying process is choosing your mortgage lender—and the best time to do that is when you are getting pre-approved. Being organized when starting the…

If you’re planning to get pre-approved for a mortgage, how you file your tax returns matters. Whether you’re self-employed or employed full time, how you file your taxes can affect…

The Buy Before You Sell (BBYS) mortgage loan program allows you to unlock equity from your current home before it sells. This gives you the power to write non-contingent offers…

When applying for a mortgage, one of the first things mortgage lenders look at for a borrower is the debt-to-income ratio (DTI). It’s a quick snapshot of how much of…

Buying a condo or townhome can be an excellent choice for homeowners who want less maintenance and access to shared amenities. However, condos/townhomes typically come with a Homeowners’ Association (HOA)…

A common concern about mortgages is that at the start of a new loan term, most of the monthly payment goes to interest vs principal reduction. While this is true,…

If you are impacted by the wildfires and are a homeowner in the Los Angeles area and are unsure of what to do about your mortgage, then here is a…

One critical aspect of the loan process that often gets overlooked in mortgage lending is that of liquid savings – also known as reserves. This can become a major issue…

Have you ever wondered why your mortgage lender is asking you to e-sign a letter that appears to be incredibly trivial on the surface or completely insignificant? Well, like many…