<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[The Mortgage Nut]]></title><description><![CDATA[The Mortgage Nut]]></description><link>https://www.themortgagenut.com/blogs</link><generator>RSS for Node</generator><lastBuildDate>Sun, 17 May 2026 13:19:25 GMT</lastBuildDate><atom:link href="https://www.themortgagenut.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Jumbo Loans in Santa Clarita and Los Angeles: Everything You Need to Know]]></title><description><![CDATA[If you’re buying a higher-priced home in Santa Clarita or Los Angeles, you may quickly run into a different type of financing: the jumbo loan. With home values in Southern California continuing to climb, understanding how jumbo loan Santa Clarita options work is essential—especially if you’re purchasing above conventional loan limits. Here’s what you need to know in 2026. What Is a Jumbo Loan? A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie...]]></description><link>https://www.themortgagenut.com/post/jumbo-loans-in-santa-clarita-and-los-angeles-everything-you-need-to-know</link><guid isPermaLink="false">69f945516d919e5ce86ea0a8</guid><pubDate>Tue, 05 May 2026 01:19:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_223a525b489b40d383250f97777179c7~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Carie Gonzalez</dc:creator></item><item><title><![CDATA[What Is a Non-QM Loan? Guide for California Investors and Self-Employed Buyers]]></title><description><![CDATA[Not every borrower fits into a traditional mortgage box—and that’s exactly where Non-QM loans come in. If you’re self-employed, an investor, or someone with unique income, a non-QM loan California option could be the key to getting approved when conventional loans fall short. Here’s what you need to know in 2026. What Is a Non-QM Loan? Non-QM stands for “non-qualified mortgage.” These loans don’t follow the strict guidelines set by Fannie Mae or Freddie Mac. Instead, they offer flexible...]]></description><link>https://www.themortgagenut.com/post/what-is-a-non-qm-loan-guide-for-california-investors-and-self-employed-buyers</link><guid isPermaLink="false">69f944e3b27e981e27c5921d</guid><pubDate>Tue, 05 May 2026 01:17:31 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_24af1fa05a2a41ffa88f574b43f00c76~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Carie Gonzalez</dc:creator></item><item><title><![CDATA[FHA vs Conventional Loan: Which Is Right for You in California?]]></title><description><![CDATA[If you’re planning to buy a home, one of the biggest decisions you’ll make is choosing the right loan. Two of the most common options are FHA and conventional loans—but which one actually makes sense for your situation? In this guide, we’ll break down FHA vs conventional loan California options so you can confidently choose the path that fits your goals in 2026. What Is an FHA Loan? An FHA loan is backed by the Federal Housing Administration and is designed to make homeownership more...]]></description><link>https://www.themortgagenut.com/post/fha-vs-conventional-loan-which-is-right-for-you-in-california</link><guid isPermaLink="false">69f94462b27e981e27c590e5</guid><pubDate>Tue, 05 May 2026 01:15:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_700b0c16a76d41dea5cfb37fe1304a93~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Carie Gonzalez</dc:creator></item><item><title><![CDATA[Santa Clarita Housing Market Update: What Buyers Need to Know in 2026]]></title><description><![CDATA[If you’re thinking about buying a home, timing matters—but understanding the market matters even more. The Santa Clarita housing market 2026 is shifting in ways that create both opportunities and challenges for buyers. Interest rates, inventory levels, and pricing trends are all playing a role in how deals are getting done right now. Here’s what you need to know before making your move. What’s Happening in the Santa Clarita Housing Market? The 2026 market isn’t as aggressive as the peak...]]></description><link>https://www.themortgagenut.com/post/santa-clarita-housing-market-update-what-buyers-need-to-know-in-2026</link><guid isPermaLink="false">69f943c25caf4ed272bb8e43</guid><pubDate>Tue, 05 May 2026 01:13:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_56d9c78ee4894775952827262a02e1c6~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Carie Gonzalez</dc:creator></item><item><title><![CDATA[Down Payment Assistance Programs in California 2026: A Complete List]]></title><description><![CDATA[Buying a home in California can feel out of reach—especially when you’re trying to save for a down payment. The good news? There are real programs designed to help. If you’re a first-time buyer or even a repeat buyer in some cases, down payment assistance California 2026 programs can significantly reduce your upfront costs and get you into a home sooner. Here’s a clear breakdown of what’s available and how to qualify. What Is Down Payment Assistance? Down payment assistance (DPA) programs...]]></description><link>https://www.themortgagenut.com/post/down-payment-assistance-programs-in-california-2026-a-complete-list</link><guid isPermaLink="false">69f9432e6d919e5ce86e9cb3</guid><pubDate>Tue, 05 May 2026 01:10:49 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_19f4351a876547489adbfb6bdc34b242~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Carie Gonzalez</dc:creator></item><item><title><![CDATA[Bank Statement Loans in California: How Self-Employed Buyers Can Qualify]]></title><description><![CDATA[If you’re self-employed, you already know the challenge: your income looks strong in real life—but not always on paper. Traditional mortgage guidelines often rely on tax returns, which can show lower income after write-offs. That’s where bank statement loans come in. This guide breaks down how bank statement loan California self-employed programs work, who they’re for, and how to qualify in 2026. What Is a Bank Statement Loan? A bank statement loan is a type of Non-QM (non-qualified mortgage)...]]></description><link>https://www.themortgagenut.com/post/bank-statement-loans-in-california-how-self-employed-buyers-can-qualify</link><guid isPermaLink="false">69f94257b27e981e27c58cc9</guid><pubDate>Tue, 05 May 2026 01:08:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_7f5a1a2bcf2c47a39284237f02ad9430~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Carie Gonzalez</dc:creator></item><item><title><![CDATA[VA Loan Benefits in California: The Complete 2026 Guide for Veterans]]></title><description><![CDATA[If you’re a veteran or active-duty service member looking to buy a home, few programs come close to the power of a VA loan. In California—where home prices are higher than the national average—these benefits can make homeownership far more accessible. This guide breaks down exactly how VA loan California 2026 benefits work, who qualifies, and how to use them to your advantage in today’s market. What Is a VA Loan? A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. It’s...]]></description><link>https://www.themortgagenut.com/post/va-loan-benefits-in-california-the-complete-2026-guide-for-veterans</link><guid isPermaLink="false">69f9415a5caf4ed272bb88f3</guid><pubDate>Tue, 05 May 2026 01:04:31 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_0e8b6635f38a477b8b1c0a3876b4c138~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Carie Gonzalez</dc:creator></item><item><title><![CDATA[How to Get Pre-Approved for a Mortgage in Santa Clarita (2026 Guide)]]></title><description><![CDATA[Buying a home in Santa Clarita starts with one move that gives you real leverage: getting pre-approved. In a competitive market, sellers don’t take chances—and neither should you. A mortgage pre-approval in Santa Clarita shows exactly what you can afford and positions you as a serious buyer from day one. Here’s a clear, local guide to getting it done the right way in 2026. What Is a Mortgage Pre-Approval? A mortgage pre-approval is a lender’s written estimate of how much they’re willing to...]]></description><link>https://www.themortgagenut.com/post/how-to-get-pre-approved-for-a-mortgage-in-santa-clarita-2026-guide</link><guid isPermaLink="false">69f940a47c961ad0b9fc1b83</guid><pubDate>Tue, 05 May 2026 01:00:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_0b87b32bed584f7d8349a5080028b96e~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Carie Gonzalez</dc:creator></item></channel></rss>