Crestico Insights & Updates
The Biggest Mortgage Shake-Up in 30 Years: What the VantageScore Option Means for California Home Buyers
For decades, getting a mortgage meant meeting the standards of one primary credit scoring system: FICO. It was the undisputed benchmark for the entire industry. But that’s all changing. In a landmark decision that will redefine the path to homeownership in 2025 and beyond, a powerful new option has just…
Your Path to Homeownership After Bankruptcy: A Crestico Guide
Facing bankruptcy can feel like a major setback, especially when your dream is to own a home. The uncertainty about your financial future and credit score can be overwhelming. But here’s the good news: bankruptcy is not a permanent roadblock to securing a mortgage. At Crestico, we believe in second…
7 Clever Ways Los Angeles Freelancers Can Get a Mortgage on Their Dream Home
Explore innovative home loan mortgage solutions for Los Angeles freelancer that empower you to buy your dream home. Unlock valuable tips and strategies tailored for self-employed individuals.
How to Secure a Mortgage in Los Angeles: Step-by-Step Guide
Thinking of buying property in Los Angeles? Navigating the mortgage process can be daunting—especially in one of the most competitive real estate markets in the country. Our step-by-step guide breaks down everything you need to know to get pre-approved, lock in a favorable interest rate, and choose the right home…
How to Qualify for a Mortgage Using Bank Statements: A How-To Guide for the Self-Employed Loan
Bank statement loans provide self-employed individuals an alternative to traditional income verification. Learn how to qualify effectively with our expert guide.
Understanding Current Mortgage Rates: Your Guide to Buying or Refinancing
Unlock the truth about mortgage rates! Discover 7 essential secrets to save money and make smarter home-buying decisions. Don't miss these expert tips.
7 Innovative Mortgage Solutions Every Fix and Flip Investor Needs
Discover 7 innovative mortgage solutions for fix and flip investors. Boost your profits with creative financing options tailored to your real estate goals.
Unlocking Homeownership: How Bank Statement Loans Empower the Self-Employed
For many self-employed professionals and business owners in Los Angeles, the path to homeownership feels blocked by traditional lending rules. Your tax returns, filled with legitimate business write-offs, rarely reflect your true purchasing power, leading to frustrating denials. But there is a powerful alternative designed for the modern entrepreneur. A…
Pay Off Your Mortgage 10 Years Sooner, Without Straining Your Monthly Budget
Pay off your mortgage 10 years sooner! Explore clever tactics like refinancing, bi-weekly payments, and recasting that won't strain your budget. Become mortgage-free faster.
Unlock Your Real Estate Empire: The Investor’s Guide to DSCR Loans
Supercharge your property portfolio with investor DSCR loans! Discover how cash flow-based financing, not personal income, can unlock your next real estate investment. Learn DSCR calculation, benefits, and requirements.
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Communication is Key
Communication is a word that we often hear but rarely think about. We know it is important and we know we are supposed to do it on a daily basis...
Tips for First Time Homebuyers
So you’ve decided to purchase your first home. Here is some advice from the experts at Crestico Realty that will help you...
Mortgage Debt Forgiveness Act: Expiring Soon!
These days, it seems like there are no homes for sale in Los Angeles. The end of the year though, has and continues to be a great time to buy...
Code of Ethics Violations Running Rampant
Ever since I decided to buy a home for myself, I have noticed more and more the increasingly unethical manner in which agents deal with their...
Should I Buy A Home?
The question that I get asked most often from client is "Is it a good time to buy a house?" Well, the answer to this question almost always depends...
Hope For Homeowners
The Hope for Homeowners program is what is being broadcast as the last hope for America's Homeowners. Do you have a question about it? Read on...
Attention Future California Homeowners! Loan limits are dropping!
Areas that will be affected in California are Riverside, San Bernardino, San Diego, Orange, or Los Angeles county. Starting October 1, 2011,...
Attention Homeowners: Know What You’re Getting In The Mail
There is a new law, AB 1373 (eff. Jan. 1, 2011) which places restrictions and disclosures on grant deed copy services. This law cracks down on the...
Is a 30 year fixed mortgage loan a waste of money?
Some people may say yes! Upward sloping yield curve. It’s important to understand that due to the time value of money and inflation, the longer you...