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.

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 »

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 »

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 »