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California Housing Finance Agency (CalHFA) https://www.calhfa.ca.gov Uniform Residential Loan Application https://singlefamily.fanniemae.com/media/7941/display   Lender information formhttps://sf.freddiemac.com/docs/pdf/forms/urla_lender_loan_information.pdf Loan Estimate and Closing Disclosure Examples LE https://files.consumerfinance.gov/f/201311_cfpb_kbyo_loan-estimate.pdf CD https://files.consumerfinance.gov/f/201311_cfpb_kbyo_closing-disclosure.pdf   The USDA’s Property Eligibility Site may be accessed at: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?NavKey=home@1

Your credit score plays a vital role in your financial life — it affects your ability to get loans, rent apartments, and sometimes even land a job. A higher credit score can mean lower interest rates and better financial opportunities. Whether you’re just starting or looking to rebuild, here’s how you can improve your credit … Read more

As of April 2025, mortgage rates in the U.S. remain elevated, with the average 30-year fixed-rate mortgage hovering around 6.95%. While this marks a decline from the peak of 7.04% in January, rates have shown limited movement, staying within a narrow mid-6% band. 📊 Forecasts for the Remainder of 2025 Experts predict a modest decrease … Read more

As an experienced mortgage broker working closely with San Francisco’s leading lenders, I’m here to help you find the perfect mortgage solution that fits your unique needs. Whether you’re buying your first home, refinancing, or investing in property, I offer expert guidance every step of the way. 🔑 Why Work With Us? Whether you’re looking … Read more