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
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
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
Using your VA benefit again: what your entitlement covers
How a second VA loan works with partial entitlement: a worked county-limit example, when lenders ask for money down, and how to restore entitlement.
Sophia WarnerSenior Loan Officer
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
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
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
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