Ever wondered how lenders determine how much home you can afford? In this episode, we take a deep dive into the factors that affect mortgage qualification. From calculating income based on different pay types—hourly, salary, self-employed, and more—to understanding debt-to-income (DTI) ratios, we’ll break it all down.

Every situation is unique, and we’ll explore how these factors vary depending on your financial picture. Whether you’re a first-time buyer or looking to move up, this episode will provide clarity on what lenders look for and how to position yourself for success.

Tune in to learn how much you can qualify for and get answers to your mortgage questions!

Please reach out to me with any questions!

Email: heather@empirehomeloans.com
Phone: (916) 952-1686
Instagram: @loanhunter916

NMLS: 129963
Company NMLS: 1839243
DRE: 01402583

Have you wondered why mortgage rates are still hovering around 7%, even though the Federal Reserve has cut rates in 2024? In this episode, we unravel the mystery behind mortgage rates and explain why they don’t align directly with the Fed’s actions.

We’ll explore how the bond market influences mortgage rates, debunk common misconceptions spread by headlines, and discuss what the Federal Reserve’s anticipated rate cuts of 0.5%-1% could mean for the housing market.

Plus, we touch on why the presidential election and the installation of a new president won’t have a direct impact on rates—despite what you may hear in the media.

If you’re looking for clarity on rates, bonds, and the broader economic factors at play, this episode is for you. Tune in now!

Please reach out to me with any questions!

Email: heather@empirehomeloans.com
Phone: (916) 952-1686
Instagram: @loanhunter916

NMLS: 129963
Company NMLS: 1839243
DRE: 01402583

In this episode, I’m sharing two recent success stories that highlight the power of strategic financing. First, I discuss a Veteran client who could have chosen a conventional loan but opted for a VA loan to protect against potential issues with the buyers of their home—a decision that almost became critical! Then, I dive into a story about a client who needed Jumbo financing but faced challenges with their departing residence. We had to think outside the box and explore non-traditional options to close the deal. Stay tuned for more inspiring success stories!

Please reach out to me with any questions!

Email: heather@empirehomeloans.com
Phone: (916) 952-1686
Instagram: @loanhunter916

NMLS: 129963
Company NMLS: 1839243
DRE: 01402583

In this episode, we’re just over two months into the new real estate landscape where commission structures have shifted. I share insights on what I've observed so far, explain the maximum seller concessions, and discuss how sellers can still cover agent commissions. Despite the changes, it's largely business as usual—so don’t let these updates deter you from entering the market! Tune in to stay informed and confident in today’s real estate environment.

Please reach out to me with any questions!

Email: heather@empirehomeloans.com
Phone: (916) 952-1686
Instagram: @loanhunter916

NMLS: 129963
Company NMLS: 1839243
DRE: 01402583

In this episode, I sit down with Nethanel Pokorny, CPA and founder of Pokorny and Associates, to discuss essential tax strategies every homeowner, real estate investor, and self-employed professional needs to know. Whether you’re just starting out or a seasoned real estate pro, understanding how to minimize your tax liability is crucial.

We cover:

• Who needs a CPA and why
• How to reduce tax liability as a homeowner, investor, or business owner
• The best entity structures for self-employed businesses
• Key deductions you can claim for your business and rental properties
• The pros and cons of putting your property in an LLC
• What capital gains tax is and how to avoid it
• Common IRS audit triggers to watch out for

Don’t miss this opportunity to gain insights from a tax expert and learn how to keep more of what you earn!

Please reach out to me with any questions!

Email: heather@empirehomeloans.com
Phone: (916) 952-1686
Instagram: @loanhunter916

NMLS: 129963
Company NMLS: 1839243
DRE: 01402583

Divorce can be an emotionally and financially complex process, especially when it comes to dealing with property you own together. In this episode, we dive into what happens when a couple in California—a community property state—decides to split and one or both parties need to buy a new property or get out of the property they own together.

We’ll cover the key steps you need to take to get off the current mortgage and title, and how California's community property laws can complicate matters. I’ll also walk you through the timeline for completing these processes and explain what’s required to secure a new loan during a divorce.

Whether you’re currently going through a divorce or simply want to understand your options, this episode provides essential insights to help you navigate this challenging time with confidence. Tune in to learn how to protect your financial future when it matters most.

Please reach out to me with any questions!

Email: heather@empirehomeloans.com
Phone: (916) 952-1686
Instagram: @loanhunter916

NMLS: 129963
Company NMLS: 1839243
DRE: 01402583

In this episode, I sit down with Kevin Roberts, a seasoned financial planner from Northwestern Mutual, to delve into the vital role financial planners play in securing and enhancing our financial lives.

We discuss the various strategies and tools available to safeguard your loved ones from unexpected life events and how proactive planning can prevent your family from being blindsided in the event of your sudden passing. Tune in to learn valuable insights on financial planning, protection, and legacy planning to ensure peace of mind for you and your family.

You can reach Kevin at (916) 218-4429

Please reach out to me with any questions!

Email: heather@empirehomeloans.com
Phone: (916) 952-1686
Instagram: @loanhunter916

NMLS: 129963
Company NMLS: 1839243
DRE: 01402583

In this episode, I delve into the unique challenges and considerations self-employed borrowers face when buying a home. If you’re self-employed and thinking about purchasing a home, this episode is a must-listen! I’ll cover essential planning steps to ensure you’re showing the right income on your tax returns, explore alternative documentation methods like using business bank statements, and share insider tips to help you navigate the mortgage process smoothly.

Please reach out to me with any questions!

Email: heather@empirehomeloans.com
Phone: (916) 952-1686
Instagram: @loanhunter916

NMLS: 129963
Company NMLS: 1839243
DRE: 01402583