What is a Bank Statement Loan?

by Irene Moustakas | Jul 28, 2026 | 1st Time Homebuyers, Loan Programs and Products

If you’re self-employed, own a business, work as an independent contractor, or earn income that’s difficult to document through traditional pay stubs and W2s, you’ve probably wondered whether qualifying for a mortgage is even possible. The good news?...

What is a Digital HELOC?

by Irene Moustakas | Jul 22, 2026 | Industry News, Loan Programs and Products

If you’ve been thinking about tapping into your home’s equity, you’ve probably heard the term digital HELOC. But what exactly does that mean, and is it different from a traditional home equity line of credit? The short answer? The loan itself is...

Down Payment Assistance Options: National Homebuyers Fund, Inc® for 100% or 102% Financing

by Irene Moustakas | Sep 4, 2024 | 1st Time Homebuyers, FHA, Industry News, Loan Programs and Products

The National Homebuyers Fund (NHF) serves to provide down payment assistance to both returning and first time homebuyers. It’s one of the few down payment assistance programs available that does not have a first time homebuyer or income limitation stipulation! I...

Down Payment Assistance Options — Today’s Highlight: Zero Money Down FHA Loan

by Irene Moustakas | May 1, 2024 | FHA, Industry News, Loan Programs and Products

An FHA loan is a government-insured loan that allows as little as 3.5% down payment. Besides allowing little money down, its other advantages when compared to a Conventional loan is that it typically carries lower interest rates, it is more forgiving with lower credit...

TWO WEEKS LEFT to Apply for CalHFA’s Dream for All Program

by Irene Moustakas | Apr 15, 2024 | 1st Time Homebuyers, Industry News, Loan Programs and Products

Registrations for the Dream for All program opened up on April 3rd, and there are now 2 weeks left to register for a voucher. Vouchers are limited and determined by lottery. The Dream for All program serves to help first time and first generation homebuyers get their...

DOWN PAYMENT ASSISTANCE OPTIONS – Today’s Highlight: California Housing Finance Agency (CalHFA)

by Irene Moustakas | Feb 7, 2024 | 1st Time Homebuyers, Loan Programs and Products

Did you know that there are some lenders and organizations that offer down payment assistance (DPA) programs? Most require you to be a first time homebuyer and they stipulate maximum income limitations per county and/or household size. But there can be some great...