MortgagePops Blog
Straight answers on buying, qualifying and choosing a loan in San Diego County.

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
Closing costs in San Diego County: who usually pays what
A who-pays-what table for San Diego County closing costs, seller-credit limits by loan type, CalHFA help, and cash-to-close planning for self-employed buyers.
Sophia WarnerSenior Loan Officer
Divorced and self-employed: what a lender reads before you buy
One San Diego file from decree to underwriting: what the lender read first, when support counted as income, and what self-employed buyers should ask.
Sophia WarnerSenior Loan Officer
Tax season mortgage papers: which year the lender reads
A six-step tax-season checklist for self-employed buyers: which year the lender reads, returns or transcripts, Form 4506-C, bank statements and Loan Estimate.
Sophia WarnerSenior Loan Officer
East County for self-employed buyers: limits, taxes, older homes
What self-employed buyers priced out of the coast should line up before an East County offer: 2026 loan limits, income proof, county property tax rules and older-home checks.
Sophia WarnerSenior Loan Officer
Buying a house after a short sale: a San Diego comeback
How long you wait after a short sale for FHA, VA and Fannie Mae loans, and how one San Diego couple timed their purchase to buy again.
Sophia WarnerSenior Loan Officer
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 WarnerSenior Loan Officer