Blog
Guides & market notes.
Long-form takes on California lending — conventional, non-QM, DSCR, investor, and first-time buyers.
Non-QM
Self-Employed Mortgage Options in California (2026)
The five mortgage options for self-employed California borrowers — conventional, bank statement, 1099-only, P&L only, and asset qualifier — and how to choose.
Government
VA Loan California: Complete 2026 Guide for Veterans and Active Duty
How VA loans work in California — eligibility, zero down, funding fee, IRRRL refinance, VA cash-out, and high-cost county limits.
Jumbo
Jumbo Loan Requirements in Southern California: 2026 Guide
How jumbo loans work in Southern California — loan limits, down payment, credit, super jumbo, and the high-balance conforming alternative.
First-Time Buyer
First-Time Home Buyer California: CalHFA, FHA, and Conventional 3% Down
Complete guide to first-time home buyer programs in California — CalHFA MyHome, CalHFA Dream For All, FHA 3.5% down, and Fannie Mae HomeReady 3% down.
Investor
DSCR Loan California: The Investor's 2026 Guide
How DSCR loans work for California real estate investors — qualification, ratios, cash-out, and short-term rentals. Elite Fundings, NMLS #2046870.
Non-QM
Bank Statement Mortgage in California: The 2026 Guide
How 12- and 24-month bank statement mortgages work in California — qualification, LTV, and common scenarios. Elite Fundings, NMLS #2046870.