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SRK CAPITAL News
Stay informed with the latest mortgage industry updates, market trends, and expert insights
Showing 13-18 of 102 articles
Alternative Financing
Bank Statement Loans: How Self-Employed Borrowers Actually Get Approved
Self-employed borrowers write off everything they can on taxes, then get penalized for it when applying for a mortgage. Bank statement loans fix that problem by qualifying you on deposits, not taxable income.
SRK CAPITAL News TeamMar 137 min read
#Bank Statement Loans#Self-Employed#Non-QM Loans
Investment Financing
DSCR Loans in California: What Investors Actually Need to Know
California rental markets make DSCR loans work differently than anywhere else. Higher property values, stronger rents, and county-by-county loan limits change the math for investors.
SRK CAPITAL News TeamMar 138 min read
#DSCR Loans#California Real Estate#Real Estate Investment
Interest Rates
Mortgage Buydowns: How to Buy Down Your Interest Rate (and When It Actually Makes Sense)
A 2-1 buydown on a $500K loan saves you $600/month in year one. But it costs someone $12,000 upfront. Here is when buying down your rate is worth it and when you are better off putting that money elsewhere.
SRK CAPITAL News TeamMar 138 min read
#Interest Rates#Mortgage Strategy#Discount Points
Mortgage Education
What Is the Lowest Credit Score for Conventional Loans?
Learn about the minimum credit score requirements for conventional loans, how your score affects rates and terms, and strategies to qualify for the best conventional mortgage options.
SRK CAPITAL News TeamJan 2613 min read
#Conventional Loans#Credit Score#Mortgage Requirements
Mortgage Education
FHA Mortgage Insurance Premium: What It Costs and How to Get Rid of It
FHA mortgage insurance adds $177/month on a $386,000 loan and lasts the life of the loan if you put less than 10% down. The only way out is refinancing to conventional once you hit 20% equity.
SRK CAPITAL News TeamJan 268 min read
#FHA Loans#Mortgage Insurance#MIP
Mortgage Education
ARM vs Fixed Rate Mortgage: What is the Difference in 2026?
Choosing between an adjustable rate mortgage and a fixed rate mortgage is one of the most important decisions when financing a home. Learn the key differences, when each makes sense, and how to decide.
SRK CAPITAL News TeamJan 2612 min read
#ARM Loans#Fixed-Rate Mortgages#Mortgage Comparison