Bank Statement Loan with Seller Buydown California | Self-Employed Buyers
If you are self-employed and buying a home in California, you already face a harder qualification path than W-2 borrowers. What most people do not know: you can layer a rate buydown on top of a bank statement loan — starting with a dramatically lower payment while...CalHFA MyHome Assistance Program 2026: Down Payment Help for California Buyers
CalHFA MyHome Assistance Program 2026: Down Payment Help for California First-Time Buyers The CalHFA MyHome Assistance Program is California’s most widely used down payment assistance loan. It provides up to 3.5% of the purchase price or appraised value as a...Seller Concessions California: Getting the Seller to Pay Your Closing Costs
Seller Concessions California: Getting the Seller to Pay Your Closing Costs Seller concessions — also called seller-paid closing costs — let buyers negotiate to have the seller credit money toward closing costs instead of reducing the purchase price. In a market where...Can a Civilian Assume a VA Loan in California? Yes — Here’s How
One of the most persistent myths in California real estate: only veterans can assume VA loans. This is simply not true. Any creditworthy buyer — veteran or civilian — can apply to assume a VA loan. You do not need military service, a Certificate of Eligibility, or any...Jumbo Loan Buydown California: Lower Your Rate on a $1M+ Home
Most California luxury buyers accept today’s jumbo mortgage rates as a given. But there’s a powerful strategy few lenders offer: a 3-1 buydown on a jumbo loan — reducing your rate by 3% in Year 1, 2% in Year 2, and 1% in Year 3. DiVita Home Finance is one...
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