Loans
Guides and articles in our Loans category — practical mortgage help from a family-owned Orange County broker.
Down Payment Assistance in Orange County: What's Real in 2026
Verified down payment assistance for OC buyers: CalHFA MyHome, Santa Ana's $120K program, Anaheim's city loans — and which famous program is closed.
Read articleCredit Not Perfect? How a Mortgage Broker Can Help
A bank says no when your credit doesn't fit their box. A mortgage broker works with many lenders — and a file that's a 'no' at one can be a 'yes' at another. Here's how it works.
Read articleHow to Beat the Bank: Make an Extra Mortgage Payment
When you have an extra mortgage principal payment, you pay down the loan balance. This means you pay less interest over the life of the loan because your interest payments are based on the loan’s balance.
Read articleHow a Reverse Mortgage Can Help You with Inflation
A reverse mortgage is a mortgage against the equity in your home. Most people who take out a reverse mortgage own their home
Read articleHow do Tradelines Help my Credit Score?
Tradelines are what makes up a credit score. it is the credit account reported on your credit report. There are two main types of tradelines
Read articleHow Paying Off Credit Card Debt Boosts Your Credit Score
If you carry a credit card balance, you could be hurting your credit score and your chances of getting a mortgage approval.
Read articleMortgage Rates and the Fed: How Interest Rates Impact Mortgage Rates
There are many financial decisions that affect mortgage rates. Here is an explanation on how the Federal Reserve and interest rates impact mortgages
Read articleCalifornia Conventional Loan Limits 2022
The ‘average’ conventional loan limit in California is $548,250. This is the standard limit, that if you exceed, you’d need jumbo financing
Read articleWhat is a Jumbo Mortgage Loan?
A jumbo loan is financing for a home that’s higher than the conventional limit. The exception to this rule is high costs areas such as California.
Read articleFHA Loans vs VA Loans
FHA loans vs VA loans are often the most debated loan programs for eligible borrowers. Both loans are government-backed and have supportive aspects, but each program has its pros and cons. Keep reading to learn which loan program may be right for you.
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