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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Underutilized Spaces: Getting the Most Out of Your Home


California real estate

The Space Under the Stairs 

The space under the stairs is typically ignored or drywalled. But, with the right repurposing, it’s valuable square footage. Before you opt to drywall that empty area, consider making it into a kids’ play area. It might not be a great space for adults, but it’s the perfect area to set up with toy storage, or even to create a playhouse. No kids? The space under the stairs can make an ideal mini-library. Installing simple shelves means your favorite books stay dry, organized and easily accessible.

The Mudroom

The mudroom is one of those spaces that you can’t live without – but don’t really want to see. It can become a dumping ground for backpacks, coats and shoes, so put it to work: rearrange to create a homework nook. If your kids tend to dump their backpacks there anyway, a small desk with supplied and dedicated study space makes sense. It’ll keep the endless papers and pencils out of your main living space and give kids a quiet place to work that’s still close to the action.

The Foot of the Bed

There’s nothing like your own bed – unless it’s the foot of your own bed. This underutilized space is ideal for solving storage problems, especially if your home is short on closet space. A hinged ottoman becomes the perfect place to put on shoes and can help stash away blankets, sheets, clothes and any other quick-access items. Or, add a desk and chair for study space that won’t fit on any of your walls. Rethink the space at the foot of your bed as functional square footage and it becomes more than just a place for your socks.

The Guest Room

If you’re lucky enough to have a dedicated guest room, you know how great the space can be. But while it’s an ideal place for friends and family to crash, it can sometimes go unused. Instead of keeping one room as just a guest space, double up on functionality so you can use it when you’re home solo.

Turn your guest room into a sleek office part of the time, or store craft supplies in the guest room closet for when you’re feeling creative. There’s no reason to leave an entire room unused except for when you have house guests. Be a little selfish and use the room for yourself the rest of the time.

The Linen Closet

Most people would say the linen closet is one of the most underrated spaces in a home. But that doesn’t mean you have to fill it with linens and blankets. If you’re able to store extra blankets in bins underneath each bed, you’ll free up an entire closet for things that make more sense to you. Whether it’s outfitting your linen closet as bathroom storage for products and towels or making over your closet as a storage pantry, think beyond sheets when rethinking your linen closet.

The Space Over Doors 

The space over each door in your home is a treasure trove for storage and decor. With simple shelving solutions, you’ll find a totally new space to store books or to show off souvenirs and decor items that don’t have a home elsewhere. Simple, straight shelving is easy to install and remove and can add plenty of character to an otherwise stark hallway.

The Garage 

The typical garage is a catch-all space for anything you don’t want in your house. But it can also be valuable space for other interests. With the right storage solutions, you can get larger items off the ground, opening up precious square footage. Store bins up in your garage trusses to get rarely used items out of the way. Then, use wall hooks to keep bikes and gear organized. With your new floor space, you could have a great indoor gym, a lounge, a rec area for rowdy kids or even a music studio.

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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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