Using RSU or Bonus Income to Qualify for a Mortgage: What Lenders Look For

by Irene Moustakas | Aug 26, 2025 | Featured, Tips

If you work in tech or a performance-based industry, a large part of your compensation might come from restricted stock units (RSUs) or annual bonuses. While these can be powerful income sources, many homebuyers discover that lenders don’t always treat them the same...

PUBLIC SERVICE ANNOUNCEMENT: Freeze Your Credit

by Irene Moustakas | May 20, 2025 | Featured

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...

Breaking News: Increased Conforming Loan Limits!

by Irene Moustakas | Nov 28, 2023 | Featured, Industry News

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Follow Me On Instagram!

by Irene Moustakas | Nov 7, 2023 | Business Promotion, Featured

instagram.com/loans_by_irene  **  I’ll provide brief market updates, tips and insights. See you there! Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click...

A Home Equity Line of Credit (HELOC) versus a Home Equity Loan (HELOAN)

by Irene Moustakas | Dec 20, 2022 | Featured, Loan Programs and Products

If you need to tap into your home equity and you have secured an interest rate in the 2% and 3% range of yesteryear, then it would be quite difficult to relinquish that amazing rate by doing a cash-out refinance on your 1st mortgage. Your alternative option to access...

“Can I Use My Cryptocurrency Funds for Down Payment, Closing Costs, or Reserves?”

by Irene Moustakas | Mar 28, 2018 | Featured, Industry News

Cryptocurrency is becoming more prevalent in the marketplace, and more people are hoping to use it as proof of an established asset they own to be used for down payment, closing costs or reserves. However, at present, lenders and underwriters consider it unchartered...