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Multiple people tour an empty home interior with bright sunlight from glass doors and windows.
Loan optionsProgram guide8 min read

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
Bank-statement loans: how self-employed buyers qualify when their tax returns show less than they make
Self-employedProgram guide4 min read

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
A hand unlocks a wooden door with a brass knob at the entrance of a single-story house on a sunny day.
San DiegoProgram guide12 min read

VA loans near Pendleton and Miramar for self-employed buyers

How a VA loan works near Pendleton and Miramar: zero down, the funding fee, how entitlement sets your limit, and what self-employed income a VA lender counts.

Sophia WarnerSenior Loan Officer
Laptop and papers on a desk by a sunlit window, with a family visible in the background of a bright home interior.
Self-employedMarket update8 min read

Self-employed in San Diego: what to line up for a spring purchase

A San Diego broker on what self-employed buyers can prepare before spring: 2026 loan limits, a March prep timeline, and when waiting is the better call.

Sophia WarnerSenior Loan Officer
Single-story beige house with tile roof and landscaped front yard in bright daylight.
San DiegoMarket update9 min read

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

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