Jorge Sidhu - Mortgage Lender and Broker

02/05/2026

Should you refinance right now or wait until later in the year? The owner of our company wrote a blog on that topic, which I found very insightful and easy to understand.

How to Know When to Refinance Your MortgageOne of the most common questions homeowners ask is: “How do I know when to refinance my mortgage?” The answer often comes down to a simple cost–benefit analysis. In this guide, we’ll walk through the key steps to help you decide if refinancing makes...

07/08/2025

Wait. Are there people out there still saving up 20% to buy their FIRST home?

Send a message to learn more

06/09/2025

I'm a nerd.

My favorite feeling is when someone says, "I need a no doc loan" or, "I've already tried, but my income is weird/ self employed/ union work". Got weird income? Let me take a crack at it.

There's nothing more satisfying than earning someone's business because you're more knowledgeable about home loan guidelines than the other guy. Weird taxes, a dozen W2 incomes because you're a union actor/ carpenter or are working 3 "gigs" ARE MY JAM.

We can't help everyone, and so we can offer all the same non-QM products you see all over the internet. But, if you're in a bank statement or hard money loan, you're doing yourself a disservice if you don't have me take a spin at getting you something better.

04/09/2025

How is the stock market volatility affecting mortgage rates?

Here's a photo of the top two news articles on Google. At the same time.

04/09/2025

Stop waiting, start owning! 🏡

04/02/2025

This would be so awesome!

Fortunately, for the rest of us, I can help you with down payment assistance programs.

03/27/2025

This is a terrifying announcement from U.S. Federal housing (FHFA).

The director has ordered Fannie Mae and Freddie Mac to lower support for home buyer programs.

If you purchased a house through HomeReady First SPCP, this will eliminate that. If you got relief when your house was underwater from HARP or HAMP, this is that type of program.

I've helped about a thousand customers save hundreds of thousands of dollars on their homes through these programs. I've helped over a hundred people buy their first home through first time home buyer program.

If you bought a house with FHA or VA in the last few years, with high rates, I would 100% recommend meeting with a licensed loan officer (Such as myself NMLS #921205) to see if it makes sense to refinance and take advantage of those affordable streamline products that are also at risk under these types of policy decisions.

03/21/2025

Did you buy your house in the last 2 years on an FHA or VA loan and you're over a 6.5%? Ouch

It might be time to get information on a streamline. Even if you decide that now isn't the time, you definitely want all you information and to get all your ducks in a row. Don't miss out of the rates dip ; with all this volatility, it might only make sense for a a few days.

NMLS #921205

03/17/2025

It doesn't look like the houses are going to get any cheaper

03/13/2025

Please always be careful about mortgage ads that look FANTASTIC.

I've excluded the mortgage company, but here's an example. I typed, "Mortgage news today" into Google and here's the first ad on the first page that popped up.

It seems to promise certain rate. It looks decent. (Some of the ads were up to a half point lower, but I don't want to cherry-pick, so here's the first ad.) The fine print already shows the cost of over $5,000. Clicking the ad and checking the even finer print on the website shows that the quotes on the actual site, which don't match the ad, assume 75% loan to value and 760 credit.

On a $500,000 loan, that's $100k down with nearly perfect credit.

Don't trust robots. Speak to an actual licensed human who doesn't play math games and gives you actual real life numbers.

03/12/2025