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Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Reverse Mortgages

For homeowners to leverage the equity in their home.

FHA Home Loans

Popular for first-time homebuyers.

Refinancing

Replace your current home loan with a new one.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Fixed-Rate Mortgages

Offers predictability for your budget.

VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

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Likely (and Unlikely) Features in New Homes

Home builders make a lot of decisions about how to run their businesses every day. Among their most critical determinations is what features to include in the homes they build. Experience, region, trends, target audience, and many other factors play a role in a decision that directly affects their bottom line. In order to provide our members with actionable research, NAHB conducts a nationwide survey annually to find out the most likely (and unlikely) features builders will include in the typical home they build during the upcoming year.

The graph below shows the features builders are most likely to include in their homes in 2020. At the very top, with average ratings of 4.8 or 4.9 are a walk-in closet in the master bedroom, low-e windows, and a laundry room (on a scale from 1 to 5, where 1 means not at all likely and 5 means very likely). Also likely to show up in homes this year are energy-efficient features: efficient lighting, programmable thermostat, and Energy Star appliances and windows. Kitchens most likely will have a central island, a walk-in pantry, and granite countertops.

On the other hand, there are features builders are rather unlikely to include with the price of the home. Heading this list are cork flooring for the living areas of the main floor, geothermal heat pumps, solar systems, and dual toilets in the master bath. Also unlikely are specialty rooms like a sunroom or a media room as well as two-story family rooms or foyers.

California real estate

Source: NAHB

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