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What’s a cash-out refi? It’s taking the money you’ve earned from your home – whether through paying down your mortgage over time or through an increase in your home’s value – and using it for whatever you want, like an upcoming vacation, college tuition, or maybe a home renovation! Interest rates are at an all-time…

Don’t wait for perfect credit to become a homeowner! FHA loans are backed by the Federal Housing Administration and are usually approved with lower credit scores, which makes them a great option for many first-time homeowners. No matter what your credit scores are, check-in with me to see what type of game plan we can…

Your credit score is one of the major factors in your loan’s approval and your mortgage rate. Quick fixes like disputing errors on your credit report, or paying off an overdue balance, can raise your score and increase your approval odds. We can help guide you in improving your credit scores to help with getting…

We are VA mortgage lending experts. Backed by the U.S Department of Veterans Affairs, VA loans are tailor-made for members of the U.S military and come with unique benefits like lower interest rates and no down payments. Are you a veteran or an active service member? We have several decades of experience with the VA…

When choosing a mortgage loan officer, choose someone that is the best. Choose someone who has years of experience, great reviews, recommended by others, and someone you can actually google and find. Put a face to who you’re working with and better yet meet them in person. No matter your goal, consulting a mentor is…

One surefire way to lower your debt-to-income (DTI) ratio is to pay off credit card debt, car loans, or other loans. A lower debt-to-income ratio will improve your financial health, and your mortgage loan approval odds. Also having a low debt to income ratio will give you a better chance of qualifying for a higher…

Attention Real Estate Agents: Partner with us to get your clients into their new home sooner and with less hassle. We offer exceptional service, online or in-person home loan applications, virtual closing, and faster CTCs – often quicker turn times than other banks and lenders. We are available to you 7 days a week and…

Stop waiting and start saving now! Low rates won’t last forever. There are plenty of good reasons to refinance your mortgage — like reducing your interest rate or lowering your monthly payment to name a few — but how do you know when the time is right? There’s only one way to find out. Call…

In most cases, the mortgage lender you choose will want to see two years’ worth of tax documents. This means you’ll want to make sure you’ve filed your taxes for the current year, and that the info you’ve given the mortgage lender matches what you’ve filed with the IRS. It’s important to make sure all…

Want to know why brokers are better? Whether you’re a mortgage pro with a few questions or a first-time buyer who could use some extra attention, we’re prepared to give as much or as little guidance as you need. We are a team of home loan experts that have been serving Solano County and California…