Free resources to help you understand mortgages, prepare for the process, and make confident decisions.
A step-by-step guide from saving for a down payment to closing day — written specifically for California buyers.
Download PDF → DocumentsKnow exactly what to gather before your application — for W-2 employees, self-employed, and investors.
Download PDF → Down PaymentFHA, 1% Down, CalHFA — all the low-down-payment options available to California buyers explained clearly.
Download PDF → Self-EmployedBank Statement, P&L, and DSCR programs explained — and how to prepare your documentation.
Download PDF → InvestorsHow DSCR loans work, what they qualify on, and why California investors use them to scale portfolios.
Download PDF → فارسیکلیه منابع و راهنماهای وام مسکن به زبان فارسی برای خریداران ایرانی در کالیفرنیا.
دانلود →Your monthly debt payments divided by your gross monthly income. Most programs allow up to 43–50% DTI.
Rental income divided by the property's monthly debt payment. A ratio of 1.0+ typically qualifies for a DSCR loan.
Required on conventional loans with less than 20% down. Protects the lender, not the borrower. Removed once you reach 20% equity.
The loan amount divided by the home's appraised value. Lower LTV = better rates and lower risk to lender.
A verified review of your credit, income, and assets resulting in a conditional commitment letter — much stronger than pre-qualification.
California Housing Finance Agency — the state entity that provides down payment assistance programs for first-time buyers.
Ben is available to walk you through anything — in English or Farsi. No pressure, just answers.
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