Sophia Warner's Blog
Straight answers on buying, qualifying and choosing a loan in San Diego County.
Removing PMI from a conventional loan: a step checklist
A five-step checklist for dropping PMI on a conventional loan: find your CFPB 80% and 78% marks, ask in writing, weigh an appraisal and confirm it stopped.
Sophia WarnerSenior Loan Officer
Condo vs townhome: how HOA dues change what you can borrow
How HOA dues shrink your buying power, a condo vs townhome table, and how self-employed California buyers can compare total payments before making an offer.
Sophia WarnerSenior Loan Officer
Tax season mortgage papers: which year the lender reads
A six-step tax-season checklist for self-employed buyers: which year the lender reads, returns or transcripts, Form 4506-C, bank statements and Loan Estimate.
Sophia WarnerSenior Loan Officer
FHA vs conventional at a 680–740 score: the five-year cost
With a small down payment and a 680–740 score, compare FHA's HUD premiums on a $400,000 example with a written conventional insurance quote over five years.
Sophia WarnerSenior Loan Officer
Two Loan Estimates, line by line: what to compare
Five steps for comparing two Loan Estimates across pages 1 and 2, written for self-employed buyers, with a side-by-side table and a check on which fees can still change.
Sophia WarnerSenior Loan Officer