How Business Owners & Self-Employed Professionals Qualify for a Mortgage

by Justin Williams | January 29, 2026 | Blog, Featured | 0 Comments

Even When Tax Returns Show Low IncomeIf you’re a business owner, self-employed professional, or independent contractor, your tax returns may not reflect what you truly earn — and that can make qualifying for a mortgage frustrating. Many entrepreneurs do exactly what...

17 Questions Every First-Time Homebuyer Should Ask a Mortgage Lender

by Justin Williams | November 13, 2025 | Blog, Home Buyers | 0 Comments

Feel confident. Get clear answers. Make smart decisions. Buying your first home is exciting… and a lot to take in. With so many moving parts, it’s easy to feel unsure about what to ask a lender — or what the answers even mean. This guide gives you the exact questions...

What is a mortgage?

by Athena Paquette | November 17, 2022 | Blog | 0 Comments

A mortgage is a loan or debt that is secured by real estate. In some states it is also the word used for the lien that is put on the property to secure the debt. Normally this loan is paid back over a specific time , like 30 years or 15 years, until the entire...

How raising the prime rate makes mortgage rates go down

by Athena Paquette | September 26, 2022 | Blog | 0 Comments

I have talked about this before but I think it is worth revisiting after our talk last week about the prime rate. The Federal Reserve raised the Fed Funds rate (often confused with the prime rate) by 0.75% this week.to 1.75% it was 0.25% a year ago. The highest 1-day...

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This Weeks Win! 10-23-15

Oct 23, 2015 | Blog, Home Owners, Investors, Realtors

A doctor, yes an MD, who works for the County of LA as a surgeon, wanted to buy the condo he was living in. His rent was $2800, and he decided before rates go up, he should move. So in May he made an offer and deposited his $40,000 as earnest money. His offer of...

There Are Certain Fees that the Seller Must Pay in FHA and VA Loans

Oct 23, 2015 | Blog, Home Owners, Investors, Realtors

There are certain fees that the seller must pay in FHA and VA loans. FALSE! A realtor who has a long history selling homes in the South Bay asked me this week what their seller “has to pay” for the buyer. Her seller does not want to pay and they got an offer from a...

Prices Are Not Going Up

Oct 16, 2015 | Blog, Home Owners, Investors, Realtors

This week showed us that prices are not going up, and therefore the threat of inflation is not there. The PPI was down .5% and down 1.1% since a year ago. The CPI was down .2% from August and flat from a year ago. This means that the price consumers are paying is the...

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