Buying a home, FHA, ITIN & more — find your city

Pick your city and see exactly how the loan works there — real down-payment numbers, local market notes, and the questions Miguel hears most from buyers in that neighborhood. Every page is bilingual, and if you'd rather just talk it through, his cell is on each one.

Buy a house — by city (6 cities)

Thinking about buying in a specific city? These pages cover what it takes to buy there — the down payment in real dollars, programs that can help, and how Miguel gets your loan ready before you shop.

FHA loans by city (8 cities)

FHA is the workhorse for first-time buyers around here — 3.5% down and credit that doesn't have to be perfect. Each city page has the local down-payment math and the questions Miguel actually gets asked.

ITIN mortgages by city (6 cities)

No Social Security number, no problem. These pages walk ITIN buyers through documenting real income and the down payment lenders look for, city by city.

Refinance by city (13 cities)

Whether you're chasing a lower payment or pulling cash out for a remodel, the refinance pages below run the numbers for your specific market instead of a national average.

bank statement loans by city (9 cities)

Self-employed and your tax returns undersell what you actually make? Bank statement loans qualify you on 12–24 months of deposits instead. These pages break down the numbers city by city.