Market Intelligence & Mortgage Strategy
Expert analysis on California and Hawaii real estate trends, interest rates, and complex lending scenarios.
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How to Buy a Home in the Bay Area Using RSU Income
Most banks require 2 years of RSU history. Learn how specialized lenders can use your tech compensation immediately to increase your buying power by $300k-$500k.
Read StrategyBuying a "Condotel" in Waikiki: What Lenders Won't Tell You
Found the perfect Waikiki property but your bank said no? Learn why condotels are rejected by traditional lenders and how to secure portfolio financing.
Read StrategyShould You Pay "Points" to Lower Your Rate? The Math Explained
Paying discount points can save thousands—or waste money. Use our break-even calculator to determine if buying down your rate makes financial sense.
Read StrategyJumbo vs. High-Balance Conforming: A Guide for Bay Area Buyers
Buying in San Jose or San Francisco? Learn the difference between Jumbo and High-Balance Conforming loans and how to save thousands on your mortgage.
Read StrategyUsing Your VA Loan in Hawaii: How to Buy in Paradise with $0 Down
Active duty military guide to buying a home in Hawaii with VA loans. Learn how to use your BAH to build wealth instead of paying rent.
Read StrategyThe DSCR Loan: Buying Investment Property Without Personal Income Verification
Self-employed investors: Stop waiting for your tax returns to look perfect. Learn how to qualify based on property cash flow for California and Hawaii rentals.
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