I find myself working on probate loans more frequently – about four to six times a year. I see firsthand how difficult and costly the probate process can be for heirs each time. Unfortunately, when proper estate planning isn’t in place, families deal with an expensive, time-consuming, and emotionally draining legal process.   Thankfully, financial […]

For homebuyers without savings for a traditional down payment, 100% FHA loans provide a fantastic opportunity to purchase a home with no money down. Unlike the standard FHA loan requiring a 3.5% down payment, these programs allow buyers to finance the entire purchase price and, in some cases, even cover some closing costs.   How […]

VA loans are one of the best mortgage options, offering 0% down financing, no loan limits, and flexible qualification guidelines. However, there are some key details that real estate agents and buyers need to understand when it comes to VA funding fees, co-borrowers, second VA loans, and refinance options. Let’s break it all down.   […]

Introducing the No Ratio Loan: A Game Changer for Unique Buyers!   If you’ve been in the mortgage industry for a while, you know that certain loan products come and go like a fleeting trend. Well, guess what? One of the most useful products for unconventional borrowers, the No Ratio Loan, is BACK!   The […]

When dealing with inherited real estate, understanding Trust Loans is crucial, especially if one of the beneficiaries intends to live in the home. In California, a Trust Loan allows the property to be refinanced and transferred from the trust into one or more beneficiaries’ names while preserving the existing property tax rate under Proposition 13. […]