Employees

The short answer is Yes! Real estate investing, when done correctly, is recession-proof, and opportunities abound in a down market. In fact, our investor clients are able to succeed in any [...]

It’s the million-dollar question today. Are we headed for a recession? The economy is cyclical, and the days of low-interest rates are reversing as the Fed raises benchmark rates back towards [...]

Recent Federal Reserve rate hike. In June 2022, for the first time since 1994, the Federal Reserve raised benchmark interest rates by 0.75 points in an effort to curb inflation and mitigate other [...]

If you are currently shopping for a home, whether you are a first-time homeowner or a seasoned investor, you may be wondering if now is the right time for you in today’s economic climate. Your [...]

Alt-doc loans are like a puzzle. Unlike traditional or conventional government loans, where guidelines are about 95% the same from one lender to the next, all non-QM lenders have different [...]

Like projects? Interested in a fixer-upper? A rehab home can be a great investment for the right buyer. We hear there is nothing like turning a diamond in the rough into your dream home. Just [...]

There is a misconception that FHA programs are only for people with low income and bad credit. That is not true at all! FHA loans are actually the most popular mortgage loan, and up to half of [...]

Income There are no guidelines for salary, but each lender will have their own rules for income. Debt-to-income ratio is the key. You do need two years of employment in the same line of work, [...]

FHA Basics If you don’t have 20% for a down payment and/or have credit issues, this might be the loan for you. Even with credit score challenges or past blemishes, the bank can balance [...]

1. Realtor referrals Most people shopping for homes already have a realtor. A seasoned realtor can offer you names of brokers if you ask.  The upside is the realtor trusts their mortgage partner, [...]