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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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Places Your Home May Be Losing Heat


Keeping your California home warm while keeping your electric bill low is the goal for most homeowners. If it seems like your home is always chilly but your energy bill is high, you may be losing heat. Here are some of the most common places your California home can lose heat:

Around Windows

Your windows are one of the prime places for heat loss. Old windows are known for letting heat escape while letting drafts in. Triple-glazed windows work well to keep the heat inside your home when the furnace is running. Since air isn’t really conducive of heat, triple-glazed windows act as a three-layer barrier to keep cold air out and warm air inside.

Doors

Similarly, doors that are in need of repair or replacement are a leading source of heat loss. To prevent this from happening around your door, make sure that the perimeter around the door frame is insulated well. You can use weather stripping or foam tape to fill in gaps. You should also install new door sweeps to keep cold air from entering underneath the door. If your doors are past the point of repair, replacement doors may be in order.

Through the Roof

Even if your windows and doors are tightly insulated, you may still be losing a good amount of heat through your roof. If your roof is old or in need of repair, heat can easily escape through cracks in the shingles or worn-out insulation. If only minor repairs are needed, you can easily seal up any holes and add insulation.

Power Outlets and Switches

Areas around power switches and outlets are also prime areas of heat loss. If the outlets aren’t insulated well, heat may be escaping through the walls. However, adding insulation is usually a quick fix. If you’re handy around the house, you simply disconnect the power, remove the face plates and carefully add on external outlets and light switches. If you aren’t handy, enlist the help of an experienced electrician to avoid injury.

Article from: Anita Ginsburg

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