When buying a home from family, look into a 𝗚𝗶𝗳𝘁 𝗼𝗳 𝗘𝗾𝘂𝗶𝘁𝘆 loan structure. It allows the family member/seller to cover your 𝗱𝗼𝘄𝗻 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 + 𝗰𝗹𝗼𝘀𝗶𝗻𝗴 𝗰𝗼𝘀𝘁𝘀... Using the equity in their home.

If refinancing now, confirm with your lender 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗮𝘅𝗲𝘀 aren't being collected twice. Taxes are due in December-January in many counties. Challenge: county websites are slow to post the tax payment made from you or your 𝗜𝗺𝗽𝗼𝘂𝗻𝗱 𝗔𝗰𝗰𝗼𝘂𝗻𝘁. Ask the

Shot the ball well in the first half of my game. Missed some easy mid-range shots and 3’s in 2nd half. We lost, but was fun to get up & down. Only had 5, so we ran out of gas. Also, found a new HELOC Renovation loan program for a client while lifting afterwards, lol.

One lender I lock loans with is offering a year-end special of 0.45% on the rate sheet. Helps lower your rate or cost of "points." *Doesn’t mean your rate drops by .45%, it’s built into the overall cost. Example Scenario: Buyer chooses rate with a true cost of 1.0% point on a

Thanksgiving week = perfect time to slip in an offer on a home. While your competition is distracted.

Client buying an Apartment complex was told by an experienced multifamily investor: “Commercial loans have to be ARM’s.” (Shorter-term, adjustable loans.) Not true - 30-year fixed options are available. Glad she was willing to ask - so many misconceptions about loan programs

If you’re looking at 𝟮-𝟰 𝘂𝗻𝗶𝘁 𝗿𝗲𝗻𝘁𝗮𝗹𝘀 and the cash flow numbers aren’t working… Look at 𝟱-𝟵 𝘂𝗻𝗶𝘁 𝗔𝗽𝗮𝗿𝘁𝗺𝗲𝗻𝘁 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴𝘀 if the price / down payment is similar. Have seen a couple buyers in CA make the switch for better cash flow. 5-9 units

𝗥𝗲𝘃𝗲𝗿𝘀𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀 are often misunderstood—here are the basics: • At least one borrower must be 62 or older (55+ on the Proprietary program) • The home must be your primary residence • You’ll need roughly 50% equity in the home (varies by age) • You keep

Wrapping up a late Saturday reviewing 3 files for Pre-Approval: • DSCR loan – “No Ratio” version (home doesn't cash flow + job impacted by gov’t shutdown) • Conventional loan – 4-unit rental purchase • Conventional loan – 2-unit rental purchase Each file has challenges, so

Sad, but true 😊

The FED will cut rates 0.25% today @ 11am PST. Mortgage rates could drop —or rise quickly. Have your Loan App & docs ready, so you can lock quickly if you're buying or refinancing.

Know if you’re in a 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄 or 𝗔𝗽𝗽𝗿𝗲𝗰𝗶𝗮𝘁𝗶𝗼𝗻 market. So your strategy for rentals aligns with what’s possible in that state.

Know you have more than 1 option. Example: 𝗟𝗼𝗼𝗸 𝗮𝘁 𝟳-𝘆𝗲𝗮𝗿 𝗔𝗥𝗠'𝘀 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄 when comparing refinance options. Was looking at a 30-year fixed for a past client, but the 7-year ARM savings (additional $250/month) was worth considering. Almost forgot to check

Found a new 𝗗𝗼𝘄𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗔𝘀𝘀𝗶𝘀𝘁𝗮𝗻𝗰𝗲 (DPA) program worth using. * No excessive fees * Higher income limits (more buyers eligible) * Refinance/pay off after 6 mortgage payments without penalty. * Grant covers 1.0% to 3.5% Down (no repayment required). 𝗪𝗵𝘆

Need to 𝗽𝗮𝘆 𝗼𝗳𝗳 𝗼𝗿 𝗰𝗼𝗻𝘀𝗼𝗹𝗶𝗱𝗮𝘁𝗲 𝗱𝗲𝗯𝘁, but don’t want to give up your 3% mortgage? Look into a 𝗛𝗘𝗟𝗢𝗖 or fixed-rate 2nd mortgage. The rates are far lower than credit card rates. Recently, I underestimated how much financial relief these programs give

Being comfortable with the 𝗠𝗼𝗻𝘁𝗵𝗹𝘆 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 is the #1 factor to prevent problems as a homeowner.

You don’t have to be a First-Time Homebuyer to use 𝗗𝗼𝘄𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗔𝘀𝘀𝗶𝘀𝘁𝗮𝗻𝗰𝗲 (DPA) programs.

If 𝗥𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 in this market, just don't overpay for “𝗣𝗼𝗶𝗻𝘁𝘀” to buy down the rate. No more than .50-1.0% in Points, ideally. Then, calculate how long it takes for your monthly savings to pay back the closing costs. 36 months or less to recoup the costs

Sunrise on the island of Brač, Croatia.

𝗜𝗳 𝘆𝗼𝘂 𝗼𝘄𝗻 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 and need more income to qualify for a home loan... Know you can 𝗖𝗢𝗠𝗕𝗜𝗡𝗘 your business income with 𝗪𝟮 𝗽𝗮𝘆, social security, disability, rental income, etc. Works well with 𝟭𝟮-𝗺𝗼𝗻𝘁𝗵 𝗕𝗮𝗻𝗸 𝗦𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁 𝗹𝗼𝗮𝗻𝘀