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
$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
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
Bank-statement loans: how self-employed buyers qualify when their tax returns show less than they make
Your tax returns aren't the only way to prove what you earn. Here's how lenders use your deposits instead, what it costs, and what to do before you look at a house.
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
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
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
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
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