Blog Posts

How to Shop for a Stated Mortgage Loan the Smart Way: 3CALoan Today’s stated mortgage loan is much different than one from 10 years ago. Earlier you could get a loan for 100% of the property value and you could also just state your income and assets. But now it ...

Commercial Hard Money Loan: 3CALoan What Does Everyone Mean by Hard Money? A hard money loan is a loan for individuals or businesses that apply for a loan and can’t get qualified for other types of loans. Private investors or companies issue hard money loans. This type of loan is ...

Credit score needed to purchase a home: 3CALOAN A credit score is that little three-digit numbers which are very crucial to your financial well-being.  Can credit score affect your life or not? and do you have any control over it or not? In this guide, we will clear all your ...

Financing with Hard money loan lenders: 3CALoan Traditional Loans vs. Hard Money Loans If you can’t qualify for a traditional loan but for a particular project you needed the money to complete a project or for another reason than a hard money loan can help you better. Hard money loans ...

Loan to value guidelines: 3CALoan Everyone loves to buy a new home. While buying a home it’s easy to think about the fun aspects but the most important thing is obtaining a mortgage. From this loan to value guidelines blog, your all doubts will be clear. How a loan-to-value ratio ...

When is it Not a Good Idea to Refinance Your Mortgage? : 3CALoan Refinance your mortgage is very tempting during rates fall. Home mortgage refinancing can sound quite attractive to homeowners, but it is not always a good idea. We will discuss all the situations when you should not consider ...

Stated Mortgage Loan: 3CALoan In Stated Mortgage loans, the lenders do not check the borrower’s income by looking at their income tax returns, W-2 forms, pay slips, or other records. The borrower states his or her income. Consequently, the lender trusts this information. It is also known as no doc loans ...