California Prop 37 Explained: What the $25 Billion Homebuyer Loan Would Actually Do
Prop 37 would let CalHFA lend up to 17% of the price on new California homes, with 3% down. Here's how it works and what buyers should know.
· 5 min read
Mortgage Blog
Expert guidance for business owners, investors, and complex borrowers navigating mortgage decisions — without the fluff.
Denver Home Sales Dropped 17% in August. The $862,500 Loan Limit Matters More Than the Median Price.
Denver metro closings fell 17% in August 2026 while prices held. Here's why the $862,500 conforming limit matters for self-employed buyers.
· 5 min read
San Diego Is Still a Seller's Market. Here's How Self-Employed Buyers Compete.
San Diego County's median price now sits right at the $1,104,000 conforming loan limit. Here's what that means if you're self-employed and buying.
· 5 min read
Conforming Loans Just Lost Their Majority. Here's Why Self-Employed Borrowers Should Care
Conforming loans fell to 47% of mortgage locks in August 2026 while non-QM passed 11%. Here's what that shift means if you're self-employed or own a business.
· 4 min read
Private Money Is Pouring Into Non-QM. Here's What That Means for You
Non-QM lending is being funded by private credit at record levels, and DSCR loans are now the dominant product. Here's what that shift means if you're self-employed or investing in rental property.
· 4 min read
DSCR Loans Have Gone Mainstream — Here's What That Means If You're Buying a Rental
DSCR loan volume is up 130% since 2022 — qualifying on rental income instead of tax returns is now mainstream, not a workaround.
· 3 min read
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