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The Sierra Lending Blog Tips and tricks directly from Sierra

How to get out of a ‘hard money’, ‘subprime’, or other high interest rate mortgage

If you previously had a low credit score, could not verify your income, or potentially other circumstances, you may have found yourself only able to obtain a mortgage with a higher interest rate or other unfriendly terms. Many borrowers may not realize it is possible to refinance, and even take cash out, into a mortgage […]

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How to Buy a Home in California if You Earn Income or Live Outside the USA

Many folks who live and/or work outside the United States would like to own property here. Whether it’s a vacation home in Malibu or Lake Tahoe, a pied-à-terre in San Francisco, a 2nd home base in LA or even living space for their college-bound children in San Diego or Berkeley, Sierra Lending Corporation can help […]

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How self-employed workers can get the right mortgage

Owning a home is part of the American Dream. As a mortgage lender we want to help you live that dream. We are committed to doing everything possible to make sure Americans of all ethnic, educational and professional backgrounds qualify for a mortgage. Unfortunately, the current system for determining who qualifies for a home mortgage is not perfect.

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How ITIN borrowers can get the right mortgage

Owning a home is part of the American Dream, and as a mortgage lender we are motivated to do everything possible to make sure Americans of all ethnic, educational and professional backgrounds can qualify for a mortgage. Some borrowers may use an Individual Tax Identification Number (ITIN) instead of a Social Security Number (SSN), making it more difficult for traditional lenders to qualify them.

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