Latest Articles
Do Self-Employed Borrowers Really Need Two Years of Tax Returns to Buy a Home?
Self-employed borrowers often hear that two years of tax returns are mandatory. The real answer depends on business history, ownership, prior experience and the loan program being used.
Ray Williams60Mortgage Rate Shopping: Why You Shouldn't Reward Bad Lenders
A 0.50% mortgage rate difference can cost you $36,000 over 30 years. Discover why returning to a lender who overcharged you initially is a financial mistake.
Craig Messman70The Professional Shopper: Why Mortgage Brokers Save You More
Choice vs. Captive: Learn why independent mortgage brokers save borrowers more than retail banks through wholesale pricing and product access in 2026.
Ron Beebe80Can You Get a Mortgage Without W-2 Income in Denver?
Learn how self-employed borrowers, freelancers, and 1099 contractors can qualify for a mortgage in Denver without traditional W-2 income.
Jennifer Chicano100How Much House Can I Afford? 2026 Mortgage Guide
Determine your home buying power with the 2026 loan limits and DTI formulas lenders use. Learn how to calculate your maximum purchase price and comfort number.
Victor Santos170How to Qualify for Your First Home Loan in 2026
Qualify for a home loan in 2026 with OnPoint Mortgage Pro. Master DTI ratios, FHA requirements, and grants to secure your first home in the Irvine market.
Victor Santos60
Related Tags
Top Experts
- Irvine, CA
- Friendsville, TN
- Greenwood Village, CO