Loan options
FHA, VA, conventional, jumbo and more: what each loan asks of you, and when it fits.
Removing PMI from a conventional loan: a step checklist
A five-step checklist for dropping PMI on a conventional loan: find your CFPB 80% and 78% marks, ask in writing, weigh an appraisal and confirm it stopped.
Sophia WarnerSenior Loan Officer
4 CalHFA loan options for self-employed first-time buyers in California
Four CalHFA options compared for self-employed first-time buyers in California: who qualifies for each, what each costs later, and which one fits your income.
Sophia WarnerSenior Loan Officer
CalHFA MyHome San Diego: who qualifies, what it costs
How CalHFA MyHome works for San Diego first-time buyers: how much it covers, the $259,000 county income limit, repayment, and options if you're self-employed.
Sophia WarnerSenior Loan Officer
4 loan options for seller credits: what each lets a seller pay
Seller credit caps for conventional, FHA, VA and USDA loans side by side, what counts toward each cap, and how to size your request before you write the offer.
Sophia WarnerSenior Loan Officer
FHA vs conventional at a 680–740 score: the five-year cost
With a small down payment and a 680–740 score, compare FHA's HUD premiums on a $400,000 example with a written conventional insurance quote over five years.
Sophia WarnerSenior Loan Officer
Using your VA benefit again: what your entitlement covers
How a second VA loan works with partial entitlement: a worked county-limit example, when lenders ask for money down, and how to restore entitlement.
Sophia WarnerSenior Loan Officer