David Xie, The Right Mortgage Guy

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David Xie, The Right Mortgage Guy Mortgage loan Team serving families the last 17 + years. Welcome to my page! I'm David Xie, also known as the Right Mortgage Guy. I'm always here to help.

I'm passionate about three things in life: my family, my clients, and fishing! As a mortgage expert, my clients trust me to guide them through the home buying process with ease. I take pride in ensuring that each step of the way is seamless and stress-free for my clients. If you have any questions about the home buying process, or if you just want to chat about fishing, please don't hesitate to reach out. Join me on my journey to catch the best loans while enjoying the great outdoors!

No High Income? No Problem with DSCR Loans
09/03/2025

No High Income? No Problem with DSCR Loans

/ / Are you considering buying an investment property, perhaps after receiving a hefty inheritance or accumulating substantial savings from your self-employment? While a limited income might seem like a stumbling block, there's a tailored solution for you: DSCR Loans, or Debt Service Coverage Ratio....

Navigating the Fast Track: How to Streamline Your Mortgage Process
08/03/2025

Navigating the Fast Track: How to Streamline Your Mortgage Process

/ / So today we're gonna cover streamlining the mortgage process and how we can help you get to the finish line faster to make your offer not only more competitive but less stressful. You're watching this video because you are in a very competitive market, and that's every market in the United State...

The Secret Tip for FHA Loans: Utilizing Family Loans as Down Payments
07/03/2025

The Secret Tip for FHA Loans: Utilizing Family Loans as Down Payments

/ / Today, I'm delighted to shed light on an often overlooked aspect of FHA loans - the ability to use a loan from a family member for the down payment or as a source of funds. This might come as a surprise to many, and not all loan originators are familiar with this

Overcoming Low Appraisals: Strategies for VA, FHA, and Conventional Loans
06/03/2025

Overcoming Low Appraisals: Strategies for VA, FHA, and Conventional Loans

/ / Low appraisals can be disheartening, especially when you're eagerly anticipating a smooth home purchase. This challenge, while intimidating, isn't necessarily the end of the road. David Xie from the Xie Mortgage Team sheds light on this topic and shares valuable insights on how to address low ap...

Understanding USDA Loans: The Key to Zero Down Payment Homes
06/03/2025

Understanding USDA Loans: The Key to Zero Down Payment Homes

/ / If you've been eyeing the housing market lately, then USDA loans might have caught your attention. In today's post, we're diving deep into the nitty-gritty of USDA loans, breaking down the pros, cons, and providing key insights to empower your home-buying journey. Ready? Let's jump in! 1. USDA L...

Navigating Medical Collections for Conventional Home Loans: An Updated Guide
05/03/2025

Navigating Medical Collections for Conventional Home Loans: An Updated Guide

/ / Hello readers! Today, I bring you some significant news that could greatly impact many aspiring homeowners. For years, individuals with medical collections on their credit reports have been at a disadvantage when pursuing conventional loans. But there's a noteworthy shift in the winds. What Exac...

How to Use Your Real Estate Commission for Down Payments
05/03/2025

How to Use Your Real Estate Commission for Down Payments

/ / When it comes to home buying, real estate agents aren't just the middlemen - they, too, aspire to step onto the property ladder or expand their portfolios. The recent breakthrough in conventional loan guidelines heralds fantastic news for real estate agents, enabling them to utilize their commis...

Investment Insights for Seniors: From Mutual Funds to Real Estate in 2024
04/03/2025

Investment Insights for Seniors: From Mutual Funds to Real Estate in 2024

/ / The topic of investments, especially tailored to senior citizens, can't be stressed enough. It's vital for the elderly to understand where and how to allocate their funds. Drawing from a personal experience with my mother and my background in the financial sector, I've compiled the top seven inv...

10 Proven Tips to Secure a Mortgage Despite Bad Credit
04/03/2025

10 Proven Tips to Secure a Mortgage Despite Bad Credit

/ / When you're dreaming of homeownership, bad credit can seem like a massive roadblock. However, with the right approach and strategic planning, you can still secure a favorable mortgage deal. Here are the top 10 tips to guide you through the process. 1. Leverage Your Rental History One of the unde...

Proven Tactics for Successful Real Estate Investing
03/03/2025

Proven Tactics for Successful Real Estate Investing

/ / Ever since I first dabbled in the world of real estate, I've been enamored by its potential. The thought of having my money work for me, almost like an ever-loyal employee, was tantalizing. This journey has taught me a few cardinal principles, and today, I'd love to share them with you, especial...

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Sunday 10:00 - 19:00

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