Guides
Home buying guides for California's heroes
Straight answers to the questions firefighters, officers, nurses, teachers and military families ask me every week.
2026-10-29 · 6 min read
VA Funding Fee in 2026: Chart, Exemptions and How to Lower It
The current VA funding fee chart for purchases and refinances, who is exempt, how refunds work, and simple ways to pay less.
Read the guide →2026-10-29 · 5 min read
Does Overtime Count as Income for a Mortgage? A Guide for Firefighters and Police
How lenders count overtime, shift differentials and second jobs for firefighters, police officers and EMS, and how to document it so it counts.
Read the guide →2026-10-29 · 6 min read
Can Travel Nurses Get a Mortgage? How Lenders Count Contracts and Stipends
How lenders look at travel nurse income, gaps between contracts and tax free stipends, plus what to have ready before you apply.
Read the guide →2026-10-29 · 6 min read
VA Loans in San Diego: BAH, PCS Orders and No Loan Limit
How to use a VA loan in San Diego: BAH as income, buying with PCS orders, no loan limit with full entitlement, and what to expect in this market.
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