How RSU Income Can Boost Your Homebuying Power

If you’re a professional in tech, chances are your compensation includes more than just a base salary. Restricted Stock Units (RSUs) are a common part of compensation packages at many publicly traded companies; however, lenders often restrict their use as qualifying income.  Fortunately, here’s how you can put your RSUs to work and potentially qualify for more […]

Can You Qualify for a Mortgage Without a Job? Here’s How Your Assets Can Help

If you’re retired or self-employed, you may have asked yourself: “Can I get approved for a home loan without a traditional paycheck?” The good news is: yes, you can — if you have assets. There’s a lesser-known option called asset depletion (also known as asset utilization), and it’s designed for people who’ve built financial stability […]

Should You Get a HELOC or Consider a Cash-Out Refinance?

If you’re searching for the best way to access your home’s equity, you’ve probably come across Home Equity Lines of Credit (HELOCs) and cash-out refinances. Both options let you tap into your home’s value, but which one is right for you? What is a HELOC? A HELOC is a second mortgage that allows you to […]

The Secret to Finding the Best Mortgage: Retail vs. Wholesale Lenders

When shopping for a mortgage, you might come across two terms: retail lending and wholesale lending. Understanding the differences can help you make a better decision when choosing a loan. Retail Lending (Direct to Lender) In retail lending, you work directly with a bank or credit union to get your loan. The lender handles everything […]

Maria’s Holiday Pozole Recipe

This year I wanted to share one of my family’s favorite dishes- pozole. Our traditional version of pozole is a red sauce with pork, and oh it is so good! Nothing warms my heart and stomach more than my mom’s pozole. She knows the recipe by heart, I made a sincere attempt to write it […]