About Dusty Brazil

Dusty Brazil is a licensed California real estate agent CA BRE #01780273 and proud to call himself a Realtor with Pacific Sotheby’s International Realty in Del Mar, CA. He's a native to Southern California and local in North County San Diego for over 25 years. You can learn more about him at Twitter, Linkedin, RealtyTimes, and Youtube.

Refinancing a FHA Loan

For 90 years the Federal Housing Administration has been insuring FHA refinancing loans for qualified borrowers in the United States. When interest rates drop, it makes sense to find out if refinancing with FHA would lower your mortgage payment and save you money.  FHA offers rate and term, cash out refinancing and streamline refi programs… Read More »

Zero Interest Home Improvement Loans

Many Americans want to improve their homes to better enjoy where they live and to enhance its value. But home improvement projects are expensive, and many people cannot afford to finance them with cash alone. Credit cards are useful, but interest rates remain stubbornly high in 2025. The RefiGuide can help you uncover the best… Read More »

What Is an Interest Only Mortgage Loan?

If you are looking for the lowest possible monthly payment, the interest only mortgage loan may be the solution. This unique type mortgage doesn’t make you pay on principal at first; you only pay interest on the home loan and that reduces your monthly payment initially. Borrowers love interest only mortgages because they increase cash… Read More »

Get Mortgage Pre-Approved for No Credit Home Loans

People looking to buy a home are always advised to get pre-approved before they begin shopping for a no credit home loan. Our team will show you how to get a mortgage pre-approval without a credit check. If you do not have financing approved, there really is little point to look at homes; you do… Read More »

Rent to Own Home Programs & Loans for New Buyers

Are you looking for rent to own homes? In 2025, Rent to own programs are truly unique lending opportunity for a select group of first time home buyer loan opportunities. Before the market crash of eight years ago, rent to own loans or owner finance buyers were relatively rare; it was fairly easy for most… Read More »

How to Get a Million Dollar Hard Money Loan

Borrowing a million dollars from traditional mortgage companies can be complex, but getting approved for $1,000,000 for a hard money loan can be an adventure. Securing financing for real estate investments can be a challenging and time-consuming process, especially when you’re dealing with large amounts like a million dollars. Traditional home loans often come with… Read More »

How to Purchase a FSBO Home

Purchasing a home listed as “For Sale By Owner” (FSBO) means buying directly from the homeowner without the involvement of a listing agent. The RefiGuide will help you navigate the process of buying and financing a FSBO home. Key Tips to Purchase a For Sale By Owner (FSBO) Home This process can offer unique advantages,… Read More »

Can Closing Costs Be Rolled Into a Mortgage Loan?

Closing costs are a necessary part of getting a mortgage loan, whether for buying a new house or refinancing an existing home loan. These costs can add up, often amounting to several thousand dollars. For many homebuyers and homeowners, coming up with the extra cash to cover these expenses can be challenging. One of the… Read More »

Can I Change a Loan on a House Last Minute​?

Changing the terms of a mortgage loan at the last minute, or switching lenders just before closing, is a complex process that can introduce significant challenges and potential delays. While it is possible to modify home loan terms or switch mortgage lenders before closing, doing so requires careful consideration of the implications, including potential delays,… Read More »

Can You Buy a Bank-Owned Home with an FHA Loan​?

Purchasing a bank-owned home, also known as a Real Estate Owned (REO) property, can be an attractive option for homebuyers seeking potentially lower prices. An FHA loan, insured by the Federal Housing Administration, offers a pathway to finance such purchases, especially for those with limited down payments or less-than-perfect credit. This article explores the feasibility… Read More »