What the “Big Beautiful Bill” Means for Homeowners and Homebuyers
Trump’s new federal legislation, passed earlier this month, covers a wide range of economic policies, but several key changes are particularly important for current homeowners and those looking to buy in the near future. Here’s a breakdown of what you should know, and...Have You Heard of the “Electrification Mandate”?
The Bay Area Air Quality Management District (BAAQMD) has passed new rules that will ban gas water heaters and gas furnaces in all homes, both new construction as well as existing. Here’s what you need to know: Jan 1, 2026 – Home sellers must disclose the gas...PUBLIC SERVICE ANNOUNCEMENT: Freeze Your Credit
You should do everything you can to protect yourself from identity theft and fraud. Freezing your credit will help for the following reasons: ✅ Prevent Unauthorized Credit Accounts When your credit is frozen, creditors cannot access your credit report. That means no...What is the Difference Between a Mortgage Lender and a Mortgage Broker and Why Choose a Broker?
When you’re shopping for a mortgage, it’s important to know who you’re working with, and how that choice can impact your loan options. Two key players in the process are mortgage lenders and mortgage brokers, and while they both help you get financing, they do it in...BREAKING NEWS: FHA Will No Longer Allow Non-Permanent Resident Aliens to Apply
This is a significant change that will have major implications, particularly in a market like the Bay Area which has numerous H1B visa holders that are invited here for tech jobs. While FHA is not the only option in securing financing, its lending flexibility and...What is Split Financing?
Split financing (also referred to as “combo financing” or a “piggyback loan”) in regards to mortgage lending means that you are splitting the financing you require into two loans, funded at the same time. The 1st mortgage covers the bulk of the financing and the...What is a Blended Rate?
A blended rate – also called a net effective rate – reflects the total rate of all your debt. We break out the balances owed and at what rate and we can calculate the blended rate to get a more true picture. This can help you determine if refinancing for debt...Did You Know You Can Use Assets as Income to Qualify for a Loan?
If your regular income streams are not sufficient to qualify (salary, social security, pension…), but you have a chunk of money in asset accounts, then we can use those assets to create income. It can give enough of a boost to qualify for a home you love! The income...First Time Homebuyer eBook – UPDATED!
I first published this e-book in 2014 and have now updated it with new and current information. It reviews the basics of homebuying, what lenders look for, and provides an overview of loan products and programs. Check it out here and let me know how I can help! Share...Loan Calculator
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