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Loan Qualifying Tips


First Time Home Buyer Basic Tips
Home Buyer Tips-quick points


Loan Process Steps
Consultation & Pre-Qual Pre-qualification kicks off the loan process. A lender reviews your income and debts to estimate how much home you can afford. Because different loan programs can change your buying power, it’s super important the loan officer you're working with has the experience and ability to understand how your qualifying criteria may fit into the various loans available. Debt ratio and how credit history and scores affect your buying power and ability to be appr


Rate secrets you need to know
Rate secrets you need to know


4Cs of home loan underwriting
Got turned down for a mortgage to buy a new home or refinance your current home? You’re not alone.
the first step is to figure out why


Rate Lock Tips to help you get the best rate
Mortgage interest rates -- just like stock prices -- change price daily and you can win or lose a little if you don't know what you're doing


Bad pre-approval letters
Common problems with Mortgage Preapproval Letters-- Prequalification pretending to be a preapproval -- and why that matters


The ugly truth about getting a home loan -they're a hassle!
You can reduce this hassle by working with the right loan officer -but how do you know when you find the right one? Some tips to know..... When you ask questions --and you don't get clear concise answers-- or if they respond with "I"ll check with my manager or underwriter for answers" run the other way. This is a sign of an inexperienced or low ability loan officer--and that inexperience or lack of ability will cause transaction delays and issues-- especially with tougher to


Seller Funded Buydowns: Everything you need to know
Uncover the secrets behind seller-funded buydowns and gain a comprehensive understanding of how they work in real estate transactions.
Consummate Pro and an Authority in the Mortgage Business!
Jade R. from Groveland, CA
I just closed on a second home in a highly controlled mountain community with wildfire risk. Dennis came highly recommended by my realtor, and soon after my initial communication, I quickly knew why. Dennis was not only very knowledgeable, but he is very responsive and patient. I had many questions, since this is my first vacation home purchase in California. Not only was he very prompt with his responses, but the whole transaction was relatively painless. Will I use him again? YES. Will I recommend him to my friends and family? Definitely!
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