Bonus, overtime and commission: how lenders average two years of pay
How lenders average bonus, overtime and commission over two years, a worked example of why a raise counts less, and what 1099 earners should compare.
Sophia WarnerSenior Loan Officer
Is a half-point rate drop worth a refinance?
Find your break-even month on a half-point refinance with a worked example, plus the VA and FHA rules and income proof for self-employed owners.
Sophia WarnerSenior Loan Officer
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 WarnerSenior Loan Officer
Why your lender asks about large deposits
Fannie Mae's 50% large-deposit rule, when a purchase needs a paper trail, what a gift letter must say, and how self-employed buyers can plan ahead.
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
Do lenders re-check self-employed income before closing?
Lenders re-check your job or business before closing. What self-employed buyers in escrow should hold steady, what can stop a loan, and who to ask first.
Sophia WarnerSenior Loan Officer
Student loans in your DTI: each loan type has its own rule
FHA, VA, conventional and USDA loans can count an income-driven student loan payment differently. See what goes into DTI and what to ask each lender.
Sophia WarnerSenior Loan Officer
San Diego's 2026 conforming limit: size the loan, not the house
In California, San Diego County's 2026 one-unit conforming limit is $1,104,000. How that loan-size line sorts conforming, jumbo, government-backed and bank-statement options for self-employed buyers.
Sophia WarnerSenior Loan Officer
Self-employed jumbo loans in Carlsbad, Encinitas, Del Mar
Where a jumbo loan starts in San Diego County in 2026, why lenders want a stronger file, how bank statements can stand in for thin tax returns, and extra costs.
Sophia WarnerSenior Loan Officer