Buying

People packing moving boxes in a bright living room with windows and a couch.Buying

Seller-paid 2-1 buydown: what it changes and what it doesn't

How a seller-paid 2-1 buydown steps up over three years, what each loan program lets a seller pay, and why it won't help self-employed income qualify.Sophia Warner · · 7 min readA cream two-storey colonial with dark shutters and a pedimented door among tall trees at golden hour.Buying

Two Loan Estimates, line by line: what to compare

Five steps for comparing two Loan Estimates across pages 1 and 2, written for self-employed buyers, with a side-by-side table and a check on which fees can still change.Sophia Warner · · 9 min readTwo people view a multi-story condo building with landscaped grounds in bright daylight.Buying

Condo vs townhome: how HOA dues change what you can borrow

How HOA dues shrink your buying power, a condo vs townhome table, and how self-employed California buyers can compare total payments before making an offer.Sophia Warner · · 10 min read