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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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Tips For Knowing When to Upsize or Downsize


Are you considering moving to a new California home? Perhaps you think a change will make everyone happier, and help you keep up with the cost and upkeep of homeownership.

Right-sizing is a common term used to describe the process of choosing a home to fit your current needs. Here are four ways to tell that it’s time to make the switch and look into purchasing a home that’s better suited to your current situation.

Too Much to Clean

No one wants to spend a ton of free time scrubbing, sweeping, mopping and caring for a home. Consider how and where you’re comfortable at home. Many people spend most of their time in a few key spaces like the bedroom and kitchen. If you’re spending more time cleaning than living, you either don’t have enough people cleaning—or you have too much space for the amount of living you do.

Too Much or Not Enough lawn

The yard is one part of a property that many people don’t have time to care for consistently. Other people love spending an hour or so in the garden each day or sipping a cup of coffee while the sun is coming up. Finding the right space to let you entertain, relax after a hard day, or give the kids room to safely burn off some energy is important. Considering low-maintenance options and how often the family uses the outdoor space can help you decide if now is the time to buy a different California home.

Not Enough Room

When you have several young children, space is always an issue. When the kids grow up, things change—including the size of the home needed. Sellers can help prospective buyers find a property that’s perfect for their current needs. Whether you’re adding members, or the family dynamic is shifting so there are fewer people in the home, the size of the house is a big deal.

Kitchen Space

No one likes crowding into a tight space for dinners or special occasions like birthday parties and graduation celebrations. It’s also tough to sit in a huge kitchen by yourself thinking about how much cleaning is necessary or the additional cost to remodel a huge space when there are only two or three people in the home. Right-sizing can help you discover the best property for your household after big changes like an elderly parent moving in, the kids going off to college, or several grandchildren coming along.

Thinking about recent life changes can help homeowners decide when it’s time to make a move. Keeping your finances, life plans and schedule on track isn’t always easy when you’re living in a home that’s too small or big for your present needs. As families evolve, mortgage fees, maintenance costs and time to care for the property become even more important.

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