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
How Does My Student Loan Debt Affect My Ability to Buy a Home in San Diego?
Student Loans and Mortgage Qualification Student loan debt is one of the most common barriers to homeownership for San Diego buyers in their 20s and 30s. The monthly student loan payment counts directly in your debt-to-income ratio calculation — reducing the amount of mortgage payment you can qualif
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