Mortgage & Real Estate News, Info, and Q&A
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Quick and concise news, updates, and tips relevant to the mortgage and real estate market delivered in bite-size chunks in 10 minutes or less! Q&A after each presentation.
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Here’s What We Covered Last Time
NAR Settlement
Key Points The NAR settlement proposal released in March 2023 is making waves in the real estate industry. The settlement comes out of the claim that real estate agents...
5% Down Multifamily Conventional Loan Hack
Key Points In November 2023, Fannie Mae updated its down payment requirements when buying an owner-occupied 2-4 unit property. The minimum down payment is now only 5% when...
USDA Loans
The U.S. Department of Agriculture (USDA) offers a unique mortgage program designed to promote homeownership in rural and suburban communities. USDA loans are backed by the...
Family Opportunity Mortgage
Purchase a home for a qualifying family member with as little as 3% down using the Family Opportunity Mortgage. This mostly unknown loan program is designed to help elderly...
Purchase A Home With Future Rental Income
Discover how to leverage your existing home's or future home's rental potential when qualifying for a mortgage. This week we discuss how to use your existing home's or...
No Income Home Loans
Today we discussed 2 different home loan options that don't require any personal proof of income or employment. The DSCR home loan for investors, and the Community Mortgage...
How To Have 2 VA Loans
Early in 2023, the Federal Housing Finance Authority (FHFA) announced some changes to what are called loan level price adjustments (LLPAs). This made conventional loans more...
What Are The Biden Rate Changes
Early in 2023, the Federal Housing Finance Authority (FHFA) announced some changes to what are called loan level price adjustments (LLPAs). This made conventional loans more...
FHA Hacks
FHA loans are quickly becoming the loan of choice for a larger portion of buyers. In this short video I explain why and share some little-known and more obscure facts about...
Robert Breiner. Licensed Loan Officer NMLS# 1199942 | BRE# 01960372 Golden Bear Capital Inc. DBA Click Mortgage | 10174 Old Grove Road Suite 140, San Diego, CA 92131 | Phone: 888-440-3001 | Fax: 888-500-5815 Golden Bear Capital Inc. DBA Click Mortgage (NMLS# 284021) is licensed by the California Department of Business Oversight (CFL License# 603H185) and the California Bureau of Real Estate (License #01847011), Nevada Division of Mortgage Lending License #4043), Utah Division of Real Estate (License #6332409), Washington Department of Financial Institutions (CL-284021).
We are licensed to lend in the following states: Arizona, California, Colorado, Florida, Missouri, Nevada, Texas, Utah, & Washington | NMLS Consumer Access