Jonathan Caguioa

Mortgage Advisor

NMLS: 250609 & CA DRE: 01137630

949-241-2527

lenderguide@allianzemortgage.com

Jonathan Caguioa Mortgage Advisor

Blog

CalHFA Dream Home Up to 20% Down Assistance

CalHFA Dream Home Up to 20% Down Assistance

Posted by Jonathan Caguioa at Mar. 27, 2023 Program Eligibility Review the guidelines below for both Borrower and Property Requirements to determine if you may be eligible to apply for the Dream For All Shared Appreciation Loan Program

Mar 27, 2023 |

Debt Service Coverage Ratio - DSCR

Debt Service Coverage Ratio - DSCR

Posted by Jonathan Caguioa at Mar. 18, 2023 Our Non-QM Debt Service Coverage Ratio (DSCR) loan allows a borrower to qualify for a mortgage based on cash flow generated from an investment property – through a rental, for exa

Mar 18, 2023 |

HOW TO PROFIT FROM BUYING A HOME NOW DESPITE RISING RATES

HOW TO PROFIT FROM BUYING A HOME NOW DESPITE RISING RATES

Posted by Jonathan Caguioa at Mar. 06, 2023 Mortgage rates have steadily risen over the last few weeks, leading many potential homebuyers to pause their search. While it is understandable to be concerned about higher rates, this could a

Mar 06, 2023 |

100% FHA Financing - NADA

100% FHA Financing - NADA

Posted by Jonathan Caguioa at Mar. 04, 2023 Nothing Down, 100% FHA Purchase Financing - One submission, one approval, one closing. Program Features: 680 FICO Min DTI per AUS Loan amount per county limits.  First Time Homebuyer OK

Mar 04, 2023 |

WHAT'S THE MAX DEBT-TO-INCOME (DTI) RATIO FOR A MORTGAGE?

WHAT'S THE MAX DEBT-TO-INCOME (DTI) RATIO FOR A MORTGAGE?

Posted by Jonathan Caguioa at Feb. 27, 2023 Debt-to-income (DTI) ratio determines what mortgage you’re eligible for. So before getting pre-approved, your mortgage advisor will review your income and debts to help you understand where yo

Feb 27, 2023 |

PROFIT & LOSS & 1099 ONLY LOANS

PROFIT & LOSS & 1099 ONLY LOANS

Posted by Jonathan Caguioa at Feb. 22, 2023 P&L and 1099 loans: A More Simple Income Documentation Solution for Self-Employed Borrowers  Profit & Loss Statement Self-employed borrowers may submit Profit and Loss (P&L) st

Feb 22, 2023 |