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5/05/2021

Get Your Mortgage Approved

 








A good number of home loan applications were denied for houses 

in 2019, according to the latest available data supplied by lenders to the

 federal government under the Home Mortgage Disclosure Act. 

Don’t be another number. Buy or refinance or enjoy your dream home.

 









Reasons for the denials:

  • High debt-to-income ratio
  • Poor credit history, low middle FICO or no credit
  • Lack of collateral
  • Incomplete applications, insufficient cash, unverifiable information, 
  • spotty employment history, and all types of things 
  • that I call let’s share confession together and fix those narratives
  • Negative income or no income on IRS returns
  • Cosigning for family members on large accounts
  • Clouded title or DIY title transfers
  • Job changes outside of prior career that don’t make sense
  • Buying owner occupied down in value in 
  • same neighborhood without explanation

Many rejected applicants narrowly missed qualifying for a home loan, 

while others received less-than-desirable mortgage offers. 

Fortunately, both groups may be eligible for better mortgage options. 

All it takes is a little help and a mortgage banker who cares.

 Having a mortgage banker with twenty nine years of experience 

and three billion dollars in closed loans makes all the difference. 

We are available to answer your questions seven days a week for free. 

I’m willing to vet your scenario or price check your offer. 

We can close a real estate transaction in twelve days if you are cooperative. 

Low rates, thousands of types of mortgages, no up front cost to shop…

pots in a circle with white flowers mounted









Borrowers with low credit scores may not realize how much their financial decisions, 

credit score and interest rate factor into mortgage qualification. 

Fixing your credit increases the chances of obtaining a desirable mortgage loan.

 Even if we can’t make it perfect now we have programs with scores as low as 560

Creditxpert® Wayfinder™ evaluates hundreds of options, 

looking at the positive and negative factors influencing the borrower’s credit score to offer the best possible solutions.

Our Simulator proposes changes you can tweak could take to raise you credit score,

 such as adding or removing accounts and correcting errors.

After the borrower has completed the recommended actions, 

our Score  program can update credit bureau files and re-pull credit 

within as little as 72 hours.

  • Delete misreported, inaccurate or outdated information
  • Remove derogatory information and accounts reported in error
  • Update accounts that are paid in full and closed
  • Update the status of a collection, including balance or paid-in-full status
  • Update accounts included in bankruptcy
  • Remove late dates from tradelines

Let’s get you looking perfect on paper before you write the offer 

so you can buy that home in this competitive market. 

We are here to help.

(949) 784-9699

NMLS 324982

20 Pacifica #460 Irvine, California

 

 

5/02/2021

Sowing seeds

 It doesn't matter if you have an acre or a tiny balcony 

growing flowers and vegetables will make you feel at home.

painting of farmer sowing seeds

farmer planting seeds by throwing









Starting seeds in paper egg cartons is an easy 

and cheap way to start your garden




4/30/2021

Mortgage Refinance

Mortgage Refinance  
Tips For Getting 
Approved

Getting a low refinance rate for your mortgage 

can be very complicated.

However, with a few tips you will be able 

to get the loan you need 

and get the lowest monthly payment possible. 

There are many reasons that people refinance their mortgage.

Some of the main reasons why: 

You have old loans that have high interest rates, 

You have debt that is catching up to you,  

You want to pay for college or to invest in another

property.

Whatever the reason there is a solution that is available for you.

 Here is how you can do it.











The first thing that you need to do is find out what your 

mortgage refinance options

are best for your needs. 

One of the most popular choices is a fixed rate mortgage. 

This type of mortgage can lower your monthly payment since rates are so low.

There is not much difference in rate between a fifteen year 

or five year or ten year loan.

The fifteen year mortgage has the lowest rate but highest payment

Perhaps you cannot qualify for a government backed type loan, we

have solutions to help self employed borrowers or those who have assets but 

not W-2 income.

If you plan on applying for a mortgage refinance, 

then you should know how to get approved. 

If you have a decent credit score, a FICO above 690,

you should have no problem getting approved for a mortgage. 

The mortgage industry is very competitive, 

and you will be able to find the perfect mortgage. 

Another thing you can do to get a lower interest rate 

is to pay points off your mortgage. 

This reduces the amount of interest you pay on your mortgage,

 which can save you thousands of dollars over the life of your mortgage. 

Points are not a great choice if you think you will sell in the next four years.

We will advise you on the best mortgage.

As you can see, there are many ways to get approved for a mortgage refinance 

if you are ready to take your financial situation into your own hands. 

You should be prepared with all your financial information before you start 

filling out applications, it is not necessary to have perfect credit 

in order to get approved for a mortgage.

 


4/16/2021

Get $1400 Now



If you do not have your $1400 stimulus check or debit card yet you can check here with the IRS as to status:


https://www.irs.gov/coronavirus/get-my-payment


If the IRS says not pending...

 Did you file a 2019 return?


Your adjusted gross income must be less than $69,000  for 2019 year can file their 2019 federal taxes for free this year using IRS Free File. Even if you made nominal income, go ahead and file right away to receive stimulus checks.

Many states also allow free filing online of income taxes at no charge. They do so through Free File offered either by the IRS or by states that have a similar public-private partnership.

When you file your 2019 return online it will also ask you if you received the $600, if the answer is no, it is a credit to you.

I suggest you file online today and enter your correct routing number and checking account number to receive the $600 and $1400 right away. If you don't have a checking account it may take four or five weeks to receive either a check or a debit card in the USPS mail.


  • Most people make less than the $69,000 income limit. So, many people can use Free File, the system is pretty simple. Have your W-2 forms, 1099 forms, and social security number out to type in the numbers. You can even do this from your smart phone.
  • Taxpayers complete federal tax return before they can begin their state taxes. 
  • The IRS has extended filing through 5/17/2021 which is in tact for wage earners and schedule C businesses. There is no reason to wait.
  • Be aware what type of return you file. If you are a wage earner you have until May 17 but if you have K-1, LLC, S Corp, and the more complex business returns there was no extension to file
  • For business tax return filers 1065,1120S, 1120 etc the extension is not applicable. 
  • Self employed borrowers need to file or extend now.
If you are applying for a home mortgage the 2019 extension or return is required depending on which you filed in 2018.
If you want to apply now for a low rate you can start at any time here:

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