Can I Use Investment or Retirement Account Funds for My San Diego Down Payment?
Retirement and Investment Funds Can Be Used — With Caveats Many San Diego home buyers have significant assets in retirement accounts and investment portfolios but limited liquid cash for a down payment. Using these funds is possible — but each account type has different rules, penalties, and tax imp
What Is a Mortgage Rate Buydown and How Does the 2-1 Buydown Work?
What Is a Mortgage Rate Buydown? A mortgage rate buydown is an arrangement where an upfront cash payment — typically from the seller, builder, or lender — temporarily or permanently reduces the buyer's interest rate. Buydowns became popular in high-rate environments as a way for sellers to make thei
How Do Self-Employed Buyers Get a Mortgage in San Diego?
Self-Employment Creates Mortgage Documentation Challenges San Diego has a large population of entrepreneurs, freelancers, contractors, and business owners — all of whom face more complex mortgage qualification processes than traditional W-2 employees. The challenge is that lenders must verify income
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