What your RSUs are worth to a mortgage underwriter
Two lenders can look at the same compensation package and come up with buying power that differs by half a million dollars. Here is what actually drives the number.
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Notes on Bay Area lending
Written for people in the middle of a decision, not for search engines. Four or five minutes each, no countdown timers, no rate alarms.
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Jumbo loans in Santa Clara County, explained without the jargon
Most homes here need a jumbo loan, which means a human underwriter reads your file. That changes what a strong application looks like.
Buying your first home in San Jose: a 90 day plan
A realistic sequence for the three months before you write an offer, including what to do with your credit and what to leave alone.
Should you buy points? Run the break even first
Discount points are neither a scam nor a no brainer. The answer is arithmetic, and it takes about four minutes.
Reading is not the same as deciding
Bring the question the article did not answer and we will work through your actual numbers.
Sample figures across this site are illustrations, not quotes. Equal Housing Opportunity.