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Sophia Warner's Blog
Straight answers on buying, qualifying and choosing a loan in San Diego County.
4 CalHFA loan options for self-employed first-time buyers in California
Four CalHFA options compared for self-employed first-time buyers in California: who qualifies for each, what each costs later, and which one fits your income.
Sophia WarnerSenior Loan Officer
Divorced and self-employed: what a lender reads before you buy
One San Diego file from decree to underwriting: what the lender read first, when support counted as income, and what self-employed buyers should ask.
Sophia WarnerSenior Loan Officer4 loan options for seller credits: what each lets a seller pay
Seller credit caps for conventional, FHA, VA and USDA loans side by side, what counts toward each cap, and how to size your request before you write the offer.
Sophia WarnerSenior Loan OfficerBuying a house after a short sale: a San Diego comeback
How long you wait after a short sale for FHA, VA and Fannie Mae loans, and how one San Diego couple timed their purchase to buy again.
Sophia WarnerSenior Loan Officer