The Home Buyer’s Corner
California home loans & home buying explained
What Is a Debt-to-Income Ratio (DTI) & How Can You Improve It Before Applying for a Home Loan?
Published on: 14/01/2026
What is a debt-to-income ratio and how does it affect mortgage approval? Learn how lenders calculate DTI and what you can do to improve it before buying a home in California.
Can I Really Buy a Home in California With Little or No Down Payment?
Published on: 15/12/2025
Buying a home in California with little or no money down is possible with the right strategy. This guide explains how down payment assistance programs at the state, county, and city levels help first-time buyers bridge the gap, reduce upfront costs, and move into homeownership sooner. Learn how grants, deferred loans, shared equity programs, and occupation-based assistance can make buying a home in California more achievable than you might think.
Get practical California home buying tips and home loan guidance straight to your inbox
