Mortgage Qualifying

6 Ways to Increase your Home Buying Budget on $140K a year

Frustrated with your home affordability? Learn some tips to increase your ability to afford a home in Orange County, CA and other cities.

Economic Concerns Have Made Qualifying for a Mortgage Challenging

Things that Loan Officers Look for When Pre-qualifying You

Here are the initial things that your loan originator will look for when you inquire about obtaining financing for a home purchase or refinance.

Will Lenders Count All Income I Receive?

Borrowers who receive income from different sources may be surprised it can be used to qualify for a mortgage. Learn which types are acceptable.

Is it Good Idea to Use a Co-borrower?

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If I Rent Out My Current Home Can I Get A Mortgage To Buy Another Home?

Getting a Mortgage with Student Loan Debt

Home financing for people with college education debt is still accessible with recent rule changes in how lenders determine your payment.

Easier Qualifying for Borrowers with Student Loan Debt

Fannie Mae recently announced a few new changes that may help as many as 44 million poetntial borrowers who are strapped with student loan debt qualify for mortgage financing.

Renting in Orange County is Now Even Less Affordable

Research shows that rents in Orange County average $1,827 per month in 2017. Single family home rents are naturally higher at $3,114. A big reason the market is so tight is due to more renters in the region and fewer homeowners.

If I Choose a Realtor, Do I Need to Use Their Lender?

Am I required to use the lender of the realtor who is representing me? This is a common question. See our answers for and against this dilemma.

Still Don't Have Your Pre-Approval Letter?

When you're looking to buy a home in a competitive housing market and you're going to finance the home, a pre-approval letter is extremely important to obtain.

4 Questions You Need to Know Before Buying a Home

Don't forget about these important factors before making a commitment to buy a home. These can play a large role in your personal finances in the future.

Qualify for a Mortgage With a Non-Occupying Co-Borrower

Mortgage qualifying is challenging sometimes for one borrower to qualify based on their income ad debts. When qualifying is a problem, consider a co-borrower to help you qualify.