What Is a Non-QM Loan and Can It Help Me Buy a Home in San Diego?
What Is a Non-QM Loan? A non-qualified mortgage (non-QM) is any home loan that does not meet the Consumer Financial Protection Bureau's qualified mortgage (QM) standards. QM loans must meet specific income verification, DTI, and loan feature standards. Non-QM loans offer more flexible qualifying cri
What Is a Hard Money Loan and Should I Use One to Buy a Home in San Diego?
What Is a Hard Money Loan? A hard money loan is a short-term, asset-based loan from a private lender — not a traditional bank — where the primary qualifying factor is the value of the property being purchased rather than the borrower's credit score or income. Hard money loans close quickly, often in
What Is FIRPTA and How Does It Affect San Diego Home Buyers Purchasing From Foreign Sellers?
What Is FIRPTA? FIRPTA — the Foreign Investment in Real Property Tax Act — is a federal law requiring buyers of U.S. real property from foreign sellers to withhold a portion of the purchase price and remit it to the IRS. The withholding serves as a deposit against the foreign seller's U.S. capital g
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