What Is a Bank Statement Loan and How Does It Work?
A bank statement loan qualifies you on 12 months of deposits, not tax returns. Here's how I calculate the income and where files go wrong.
7 min read
Mortgage Blog
Page 3 of 6
Mortgage Rates Hit 7.28%. What That Number Means (and Doesn't) for a Self-Employed Veteran
Freddie Mac's 30-year average hit 7.28% on Oct. 1, 2026. Here's why a VA borrower shouldn't read that number the way a conventional buyer does.
· 5 min read
California Prop 37 Explained: What the $25 Billion Homebuyer Loan Would Actually Do
Prop 37 would let CalHFA lend up to 17% of the price on new California homes, with 3% down. Here's how it works and what buyers should know.
· 5 min read
Denver Home Sales Dropped 17% in August. The $862,500 Loan Limit Matters More Than the Median Price.
Denver metro closings fell 17% in August 2026 while prices held. Here's why the $862,500 conforming limit matters for self-employed buyers.
· 5 min read
San Diego Is Still a Seller's Market. Here's How Self-Employed Buyers Compete.
San Diego County's median price now sits right at the $1,104,000 conforming loan limit. Here's what that means if you're self-employed and buying.
· 5 min read
Conforming Loans Just Lost Their Majority. Here's Why Self-Employed Borrowers Should Care
Conforming loans fell to 47% of mortgage locks in August 2026 while non-QM passed 11%. Here's what that shift means if you're self-employed or own a business.
· 4 min read