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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Debbie Resch, NMLS 323996; Left Coast Lending, Co. NMLS 2680096

Home
United States
Salinas, CA
Debbie Resch, NMLS 323996; Left Coast Lending, Co. NMLS 2680096

"Mortgages That Move You Forward." I am here. For you. This business is about you, not about paperwork. You don't have to do it alone! I can help!

For four decades, I've been helping clients navigate home financing with clarity and focus; building a plan that fits the bigger picture. My life has been dedicated to helping people realize their goals of home ownership and creating a family legacy.

” Helping You Build a Better Life.”

Debbie Resch NMLS 323996

11/01/2026

A single late payment or a thin credit file does not automatically end the conversation. With FHA, the bigger picture matters: steady income, manageable debts, and documentation like recent W-2s or 1099s can help a lender review the file more fully. A common mistake is waiting until every account looks perfect before getting pre-approved. See how it works. https://bit.ly/4ylCBMI

10/31/2026

What should change first if the offer is close but not quite there? Start with the terms that create friction, such as repair requests, closing timing, or who pays which fees. A move-up buyer who gives up a minor ask may keep the rest of the offer intact, while the buyer who keeps negotiating every line can lose momentum fast.

10/30/2026

A buyer with steady W-2 income but little cash for a down payment may still have a path forward with USDA financing. The key is checking whether the property is in an eligible area and whether household income fits the program rules before you start shopping. See how it works. https://bit.ly/4jkmyuN

10/29/2026

A buyer with student loans and a few 1099s can look very different on paper than a W-2 employee, so the first checklist item is gathering every income document before a lender review. Add bank statements, ID, and any gift-fund paperwork early so underwriting does not stall later.

10/28/2026

What should a self-employed borrower check first? Pull the credit report early, then look for accounts that belong to a business partner, old collections that were already resolved, or a payment marked late by mistake. Catching one error before a loan file is submitted can save a lot of back-and-forth later. Walk through the steps. https://bit.ly/4hOTQ44

10/27/2026

A veteran using a VA loan should start with one practical question: what can this equity actually do in your next move? A common use is funding a renovation that makes the home easier to keep long term, but the key step is to confirm the project fits your loan and title situation before you spend the funds.

10/26/2026

If the property needs repairs, an FHA 203k loan can be worth asking about before you start comparing houses. It lets the financing account for renovation work, but the project still needs a clear scope, contractor bids, and lender review. That upfront planning matters more than falling in love with a fixer that does not fit the loan file.

10/25/2026

What actually trips up a VA purchase is not the escrow account itself, but missing conditions that sit inside it. A buyer with a recent job change, for example, may need to explain the new income in writing before the file can move forward. That is why checking document requests early matters more than guessing what the process will need.

10/24/2026

A homeowner planning a kitchen update may compare a cash-out refinance with a renovation loan like FHA 203k. The key difference is timing: one can roll funds into a new mortgage, while the other is built specifically for purchase-plus-repair scenarios. Before choosing, gather the scope of work, contractor bids, and a clear list of which costs are for cosmetic updates versus structural fixes. Compare this to your situation. https://bit.ly/4B88YRr

10/23/2026

One common mistake is waiting until offer time to sort out paperwork. If income comes from 1099s, a lender may need extra documentation, and gift funds usually need a paper trail before underwriting can count them. A quick file review early can surface missing items before they slow down the process.

Address

19 Quail Run Circle, Suite B
Salinas, CA
93907

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.leftcoastlending.com/

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