Buying a home is exciting—but figuring out the best loan option  can feel overwhelming. Two of the most popular low down payment programs...

At LJ Mortgage Team , we know that every borrower’s situation is unique. Whether you’re a W-2 employee, self-employed, contractor, or...

When applying for a mortgage, one of the most important numbers lenders review is your Debt-to-Income Ratio (DTI) . Simply put, DTI...