VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

Reverse Mortgages

For homeowners to leverage the equity in their home.

Refinancing

Replace your current home loan with a new one.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Fixed-Rate Mortgages

Offers predictability for your budget.

FHA Home Loans

Popular for first-time homebuyers.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

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The Most and Least Affordable Cities in America


California mortgage

Where affordability reigns supreme

Point2Homes recently ranked the continent’s 50 most populated cities in terms of housing affordability. Detroit came in at No. 1, with a median home sales price of $48,000 and a median income of $25,980.

Other U.S. cities on the more affordable end were Jacksonville, Florida; Indianapolis; El Paso, Texas; and Columbus, Ohio. The median sale price of a home in Jacksonville sits around $155K, while its residents make just under $50,000 a year.

North America’s most expensive markets

Though Canada’s Vancouver took the cake as the most unaffordable housing market in North America, plenty of U.S. cities ranked near the top, too. Manhattan took the No. 2 spot, with a median home sales price of $1.2 million. The median family income for the city is $77,559.

Cities in the Northeast and along the West Coast filled out the rest of the top 10 most unaffordable markets. San Francisco, Los Angeles, San Jose and San Diego, California, ranked at the top, as did New York, Boston and Seattle.

Brooklyn is particularly unaffordable, according to Point2Homes.

“Once a moderately-priced borough, Brooklyn now has a median selling price of $725,000, considerably less compared to the likes of San Francisco and Manhattan, but almost three times as much as the national median,” Point2Homes reported. “And with the median household income just shy of the U.S. benchmark, Brooklyn’s severely unaffordable median multiple of 13.1 secures its position among the top 5 most unaffordable U.S. markets.”

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VA Home Loans
Reverse Mortgages
Refinancing
Prime Jumbo and Super Jumbo Mortgages
Fixed-Rate Mortgages
FHA Home Loans
Conventional Mortgages/Conventional High Balance
Self Employed Loan Programs
Bank Statement Programs
Investor DSCR or Rental Income Loans

Loan Options

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