Whether you’re a business owner ready to purchase your own building or an investor looking to add commercial property to your portfolio, commercial loans don’t have to be complicated . At LJ Mortgage Team , we help simplify the process so you can focus on growing your business and building long-term wealth. How Commercial Loans Can Help You Commercial financing can be a powerful tool when used strategically. These loans can help you: Purchase commercial properties  such as mi

Are you self-employed or a 1099 earner who’s tired of hearing “you don’t qualify”  just because your tax returns don’t show your real income? You're not alone and you’re not out of options. At LJ Mortgage Team Inc. , we proudly offer flexible Non-QM (Non-Qualified Mortgage)  programs built specifically for business owners, gig workers, and independent contractors whose traditional tax documents don’t tell the full story of their financial strength. If you have strong deposits

You locked in a fixed  interest rate when you bought your home—so why did your monthly mortgage payment suddenly increase? You’re not alone! This is one of the most common questions we get from homeowners. The truth is: your interest rate is fixed, but other parts of your mortgage payment can still change over time.  Let’s break it down. Why Your Mortgage Payment Can Increase (Even With a Fixed Rate) Your monthly payment is made up of more than just principal and interest. I

If you're planning to buy a home or refinance in 2026 , there’s good news— higher conforming loan limits  are giving buyers more room to breathe and more control over their financing options. That means more purchasing power , improved access to competitive interest rates, and flexibility when choosing the right loan for your goals. At LJ Mortgage Team Inc. , we’re here to make the entire process simple, transparent, and stress-free. Whether you’re stepping into your first ho

Before you start shopping for your dream home, it’s important to know exactly what you can afford. Understanding your numbers upfront means fewer surprises later and a smoother home-buying experience. Here’s a real example straight from our in-house affordability tools: 💰 Scenario 1: Sample Home Purchase • Home Price:  $600,000 • Down Payment:  $60,000 (10%) • Loan Amount:  $540,000 • Interest Rate:  6.19% • Term:  30 Years • Estimated Monthly Payment:   $4,228.83 That month

Buying your first home is one of the biggest milestones in life and it all starts with a clear plan. The LJ Mortgage Team is here to make sure you feel confident, informed, and excited every step of the way. Here’s your ultimate First-Time Homebuyer To-Do List  to help turn your dream into a front door with your name on it! ✅ 1. Check Your Credit Score Think of it as your financial selfie  — it shows lenders a snapshot of your financial health