Mortgage Blog
Program changes, county limits, and what actually moves a file — written by the people who originate the loans, with their license numbers attached so you can check them.
How a Bank Statement Loan Reads Self-Employed Income
Your returns are built to lower a tax bill, and an underwriter reads that same number as capacity. Here's how a bank statement loan derives income from deposits instead, what gets stripped out first, and where these files come apart.
Jeff Maas · NMLS #246684
What a DSCR Loan Actually Requires
A DSCR loan asks what the property earns rather than what the borrower earns. Here's how the ratio is built, what else underwriting weighs, and the four things that most often break these files in Riverside and San Bernardino County.
Jeff Maas · NMLS #246684
California Down Payment Help That Is Open Right Now
Everyone writes about Dream For All, which closed in March. MyHome is open, covers the down payment outright, and there is one thing about it people get wrong.
Jeff Maas · NMLS #246684
Is an FHA Loan Worth It?
It gets a bad name from people who only look at the mortgage insurance. One rule decides whether that criticism applies to you, and it is not the one you would guess.
Jeff Maas · NMLS #246684
Up to 5% Toward Your Texas Down Payment
You do not have to be a first-time buyer, and the credit minimum is lower than most people assume. The part nobody explains is which of the three assistance structures to take.
Jeff Maas · NMLS #246684
The Texas Veteran Benefits Nobody Tells You About
The Veterans Land Board runs three loan programs. The home loan gets all the attention. The other two go unused, and for some veterans they are the better benefit.
Jon Linhart · NMLS #2449959
The VA Loan Benefit Most Veterans Never Claim
Zero down and no monthly mortgage insurance get the attention. The funding fee exemption is the one that quietly saves eligible veterans the most, and it is the least known.
Jon Linhart · NMLS #2449959
Who Actually Qualifies for a VA Loan
Most people who assume they do not qualify are wrong, and the reason is that the rules are written era by era and nobody reads all of them. Here is the whole picture.
Jon Linhart · NMLS #2449959