Jonathan Caguioa

Mortgage Advisor

NMLS: 250609 & CA DRE: 01137630

949-241-2527

lenderguide@allianzemortgage.com

Jonathan Caguioa Mortgage Advisor

Blog

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 |

DOWN PAYMENT ASSISTANCE PROGRAMS

DOWN PAYMENT ASSISTANCE PROGRAMS

Posted by Jonathan Caguioa at Feb. 14, 2023 For first-time home buyers, finding the right mortgage can be a big challenge. You want to work with a lender that can give your buyers the right term and the lowest closing costs, as quickly

Feb 14, 2023 |

WHAT MOST FIRST-TIME HOMEBUYERS WISH THEY KNEW BEFORE THEIR PURCHASE

WHAT MOST FIRST-TIME HOMEBUYERS WISH THEY KNEW BEFORE THEIR PURCHASE

Posted by Jonathan Caguioa at Feb. 06, 2023 If you're a first-time homebuyer, know that you're not alone. Over 45% of homebuyers are doing so for the first time, and we love to help first-time buyers make it happen in the smoothest poss

Feb 06, 2023 |

AIR-BNB RENTAL INCOME ALLOWED

AIR-BNB RENTAL INCOME ALLOWED

Posted by Jonathan Caguioa at Feb. 04, 2023 This is a Non-QM Program Available on Full Doc, Bank Statement, Investor Cash Flow, 1099 Only, P&L Only programs Eligible on Refinance Transactions Income Averaged Over Most Recent 12

Feb 04, 2023 |

FOREIGN NATIONAL BORROWER LOAN

FOREIGN NATIONAL BORROWER LOAN

Posted by Jonathan Caguioa at Feb. 04, 2023 Loan Amounts Up To $2 Million Minimum 680 FICO Up to 65% LTV/CLTV Purchase, Rate & Term and Cash Out Eligible Social Security Number Not Required Borrower without U.S. Credit Eligib

Feb 04, 2023 |