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Debt to Income Ratio (DTI): What You Need to Know
With housing prices increasing and rates trending upward, many borrowers are seeing their debt to income (DTI) ratio go up because their projected housing payment is now higher than what it was going to be 6-12 months ago. But there are some ways as loan officers we...
Major Gifts from Relatives: What You Need to Know About Buying a Home
Some of the gifts we’re given by aging family members are a sense of ethics and an ambition to be successful in both our careers and in raising a growing family. We may also be left with a more tangible gift, and it enables us to invest in our future as well as those...
Homeownership on a Minimal Down Payment: FHA, HomeReady, and VA Loan Options
It’s no surprise that the economy in 2017 is far from perfect. It’s even less of a surprise to Southern California residents that despite stagnant or even shrinking salaries, the cost of homeownership has risen dramatically. The Los Angeles Times reported that for the...
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