$150K income in San Diego: what sets your payment
What sets the payment on a $150K income in Chula Vista, Escondido and Clairemont, plus 2026 San Diego County loan limits and self-employed income.
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
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 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
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
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
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