Mortgage resources
Plain-language guides to the programs Troy places most, written for Southern California borrowers. No rates, no sales pitch; just how each thing works and what to think about before you decide.
Bank-statement loans, explained
How 12 or 24 months of deposits become qualifying income, what underwriters look for, and the documents to gather first.
DSCR for first-time landlords
What the ratio measures, how rent is counted, and why a strong property can qualify when personal income can't.
HELOC or fixed second?
Choosing the right way to use your equity, and the questions to answer before consolidating debt into your home.
Where conforming ends in Los Angeles County
How county loan limits work, what changes above them, and how jumbo files are underwritten.
The pre-approval that wins the offer
What listing agents actually check, why most pre-approval letters are weaker than they look, and what to have ready.
The refinance break-even, done honestly
How to tell whether a refinance pays for itself, and the two mistakes that make a bad refinance look good.
Reading is free. So is the call.
When a guide raises a question about your own situation, Troy answers it.