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.

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 »

Home Loans for Nurses

Homeownership is a significant milestone, and for nurses, there are specialized loan programs designed to facilitate this journey. These nurse home loan programs offer favorable terms, reduced costs, and tailored benefits to accommodate the unique financial situations of healthcare professionals. Best Home Loans for Nurses This article explores the  best home loans for nurses, highlighting… Read More »

What Is an Interest Only Mortgage Loan?

When you hunt for a home loan, have you ever thought about an interest-only mortgage? This kind of 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. An interest-only mortgage is a big difference from a 30-year, fixed rate mortgage,… Read More »

How to Get Rid of PMI on an FHA Loan

For many homeowners with FHA loans, Private Mortgage Insurance (PMI) can feel like an unnecessary burden—an extra monthly cost that doesn’t directly contribute to paying off the mortgage. While PMI helps protect lenders, it can weigh heavily on homeowners’ budgets over time. How do you get rid of PMI on an FHA loan? We published… Read More »

What Are Zombie Mortgages?

In the intricate world of real estate, mortgages typically follow a straightforward path: a borrower secures a loan to purchase a home, makes payments, and eventually, the loan is either paid off or the property is sold. But like many things in life, real estate is not always so simple. Sometimes, mortgages can take an… Read More »

No Tax Return Mortgage for Self Employed with Decent Credit?

There are more than 14 million self-employed mortgage borrowers in the US, and fortunately for them, it is getting easier to get a no-tax return home loan. Many borrowers are asking about no tax return mortgage loans and stated income financing. Generally, guidelines in the last few years are getting easier for getting a home… Read More »

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 2024. The RefiGuide can help you uncover the best… Read More »

How Much Debt-to-Income Can You Have to Buy a House?

Most people know that you need to have a decent credit score to get a home loan. But fewer realize how important your debt-to-income (DTI) ratio is to buying your dream home. Here, you’ll learn the vital details about how much debt-to-income you can have to buy a home. If you have questions or want… Read More »

Mortgage Refinancing After Divorce or Separation

Sometimes, getting approved for a refinance mortgage after a divorce can be challenging if you don’t connect with the right lenders or banks. No one gets married expecting divorce, but it happens often in today’s America. Not only is a divorce usually emotionally difficult. There also are many financial concerns that are difficult to deal… Read More »

15 Year vs 30 Year Loan Differences Which is Best?

The current mortgage rates have been rising, with a 30 year fixed mortgage hovering in the 7% range and 15 year fixed mortgages at 6.625% (6.855% APR). With rates this low, many people are thinking about either buying a new home or refinancing. 15 Year Mortgage vs 30 Year Loans A 15 year mortgage can… Read More »

Co-Borrower Loan Requirements to Be Eligible for Home Mortgages

There are many potential home buyers in the US who may have difficulty getting a home loan in 2024 on their own. Experts recommend that they add a co-borrower to the mortgage application. With the co-borrower’s income, it may be more likely that you can get approved for a home loan. If you are considering… Read More »

7 Cash Out Tips for Home Rehabilitation and Remodeling

Are you looking for cash to pay for the renovation on your home? One of the most popular sources of cash today is a cash out refinance on your home, which can provide you with the money you need for major home upgrades. Refinancing to a new lower rate may mean that your payment will… Read More »

How to Qualify for a Home Loan with Low Income

Are there really low income home loans available in 2024? Many renters may think they don’t have enough income to qualify for a home loan. That isn’t usually true. Most mortgage lenders aren’t concerned with only your income. Income is just one part of the mortgage qualification puzzle. Talk to Lenders that Offer Low Income… Read More »

Fannie Mae Home Loans Helping Americans Become Homeowners

The Fannie Mae home loan program has been one of the most successful programs helping consumers in the United States buy a home with a minimal down-payment with competitive interest rates equating to affordable monthly payments. is government sponsored enterprise that has played a major role in empowering Americans to become home-owners. Becoming a homeowner… Read More »

Home Inspection Tips for First Time House Buyers

First time buyers who put a contract on a house are doing something very exciting. It is your first home, and you are about to take part in the American dream! But as soon as you submit the contract, you should order a home inspection. A home inspection is essential to ensure that the home… Read More »

How to Make a Strong Offer on a House

Home prices are continuing to rise in 2023, and inventory in many areas is shrinking. If you are a first-time house buyer in a tight market, you may have many people bidding on the same house you are. Making a strong offer when buying a home is essential in today’s competitive real estate market. How… Read More »

7 Tips to Boost Your Home Value Prior to Refinancing

When you do a mortgage refinance on your home, you will usually need to get a new appraisal so that the lender knows that they can sell the home for the amount they are lending if you were to ever default on the loan. The appraisal is a vital part of the typical mortgage loan… Read More »