Home Equity
Home Equity Loan With Mello-Roos: California CFD Lien, DTI & Payoff Guide (2026)
How California Mello-Roos CFD liens affect home equity loan underwriting in 2026: DTI math, lien priority, escrow treatment, and bond prepayment options.
dti
Evergreen Guides
Self-Employed Refinance Qualification 2026: Full-Doc vs. Bank Statement Loans
Self-employed refinance in 2026: how lenders calculate income via Form 1084, when bank statement loans make sense, DTI traps, and the non-QM rate premium.
Basics
Refinance guide debt-to-income and loan-to-value for refinance
Understanding Debt-to-Income (DTI) and Loan-to-Value (LTV) for Refinancing DTI and LTV are two of the most important numbers lenders evaluate when you refinance a mortgage. They measure your ability to repay (DTI) and how much equity you have in the home (LTV). Knowing how each works helps you pick the right refinance option, estimate costs, […]
Basics
Refinance guide refinance for borrowers with high DTI strategies
Refinancing When You Have a High DTI: What It Is and When It Makes Sense Debt-to-income (DTI) is the percentage of your gross monthly income that goes toward monthly debt payments. Lenders use DTI to judge whether you can afford a mortgage. A high DTI (commonly above 43% for conventional loans, though some lenders allow […]