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# Chad Bush, Mortgage Loan Officer

## Sitemaps

- [XML Sitemap](https://chadbushre.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [VA Loan vs Conventional Loan: Which Is Better for Veterans?](https://chadbushre.com/va-loans-vs-conventional-loans/) - Introduction If you’re a veteran or active-duty military member looking to buy a home, you’re probably considering a VA loan or a conventional loan. Both options offer unique benefits, and understanding their differences is essential in making the best decision for your financial future. In this article, I’ll break down the advantages of each loan
- [Living Trust Essentials: How to Protect Your Home and Assets](https://chadbushre.com/living-trust-essentials/) - Buying a home is one of the biggest financial steps you’ll ever take. But once the deal is done, you’ll want to make sure you protect your investment. While paying your mortgage on time is important, it’s not the only thing you need to do. Protecting your home from legal risks, creditors, and ensuring it
- [California Proposition 19: Understanding the Impact on Property Taxes and Inheritance](https://chadbushre.com/california-proposition-19-understanding-the-impact-on-property-taxes-and-inheritance/) - In November 2020, California voters passed Proposition 19. This law changed the way property taxes work in the state. The goal was to help some people, like seniors and those with disabilities, by giving them tax breaks. It also brought new rules for people who inherit homes from their parents or grandparents. Whether you own
- [Finding Bargain Homes: Best Strategies and Risks to Avoid](https://chadbushre.com/finding-bargain-homes/) - Buying a home is one of the biggest financial decisions you'll make. Finding bargain homes can help you save big—if you know where to look. But not every deal is good. In this guide, I’ll walk you through the smartest strategies for finding reduced-price properties and highlight the common pitfalls to avoid, like costly land
- [Land Leases Explained: Benefits, Risks, and Key Considerations for Buyers](https://chadbushre.com/land-leases-explained-benefits-risks-buyers-guide/) - Land leases can be an attractive way to get a home without having to cover the full cost of buying the land. Whether you’re looking for a new home or a place to run a business, land leases offer a different option that can provide access to places and opportunities that might normally be too
- [VA Loan Refinancing Options: Maximize Your Benefits](https://chadbushre.com/va-loan-refinancing-options-maximize-your-benefits/) - VA loan refinancing offers veterans options to lower mortgage payments or access home equity. The VA Streamline Refinance (IRRRL) reduces interest rates with minimal paperwork, while the VA Cash-Out Refinance provides cash for expenses or converts non-VA loans. Eligibility includes service, property residency, and credit requirements. Benefits include lower rates, cash access, and no PMI.
- [Everything You Need to Know About VA Loans: A Complete Guide for Homebuyers](https://chadbushre.com/everything-you-need-to-know-about-va-loans/) - VA loans, backed by the U.S. Department of Veterans Affairs, allow veterans and service members to buy homes with no down payment and competitive interest rates. This guide details eligibility, types of VA loans, the application process, and financial considerations, highlighting their advantages over traditional mortgages, such as the absence of private mortgage insurance.
- [Navigating the New Buyer Representation Agreement: What Homebuyers Need to Know](https://chadbushre.com/navigating-the-new-buyer-representation-agreement-what-homebuyers-need-to-know/) - Buying a home is often one of the most significant financial decisions you'll ever make, and staying informed about the latest changes in the real estate landscape is crucial. The National Association of REALTORS® (NAR) recently implemented new guidelines, now required by law, that aim to increase transparency and protect homebuyers. One of the key
- [Home Loan Guide: 11 Expert Tips for Overcoming Common Challenges](https://chadbushre.com/home-loan-guide/) - Introduction Applying for a home loan can be a daunting process, especially for first-time homebuyers. Various challenges and financial hurdles can arise, ranging from credit issues to employment history, each potentially complicating your journey to homeownership. Understanding these common obstacles and potential solutions can significantly ease the process and increase your chances of securing a favorable
- [11 Things To Know About Living in Huntington Beach: A Guide for Prospective Residents](https://chadbushre.com/11-things-to-know-about-living-in-huntington-beach/) - Huntington Beach, affectionately known as Surf City USA, embodies the quintessential Southern California lifestyle, offering residents a unique blend of laid-back surf culture, vibrant community events, and attractive public amenities. With its pristine sandy beaches and consistent ocean waves, it's no wonder that this city has become an iconic destination for surfers and beachgoers alike.
- [Seal Beach Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/seal-beach-housing-market-trends/) - The Seal Beach housing market epitomizes this Southern California community’s coastal charm and relaxed pace. Known for its large retiree population, Seal Beach offers a housing market that’s as welcoming as its sunny piers and sandy beaches. This report dives into the latest trends shaping the Seal Beach real estate landscape, from the pricing of
- [Top 10 Cities To Live in Orange County, CA](https://chadbushre.com/top-10-cities-to-live-in-orange-county-ca/) - Orange County, positioned between the Pacific Ocean and the Santa Ana Mountains in Southern California, boasts diverse communities catering to a wide spectrum of preferences. Its mix of tranquil suburban neighborhoods and dynamic urban centers makes it a sought-after relocation destination. The county's strategic location and varied environments offer something for everyone, from coastal scenic
- [Newport Beach Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/newport-beach-housing-market-trends/) - Located in the heart of Orange County, California, the Newport Beach housing market presents a unique opportunity for homebuyers. This article offers an in-depth analysis of the latest trends and key data points in the Newport Beach real estate landscape, essential for those considering a purchase in this area. With a focus on median home
- [Anaheim Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/anaheim-housing-market-trends/) - Welcome to a comprehensive exploration of the Anaheim housing market, a dynamic landscape where dreams are forged in the heartland of Orange County. Anaheim, the city that hosts the enchantment of Disneyland and the roar of Angel Stadium, presents a real estate tableau as diverse as its attractions. This article dives deep into the latest
- [Laguna Beach Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/laguna-beach-housing-market-trends/) - Nestled along the pristine coastline, Laguna Beach's housing market is as inviting as its sandy shores. This article delves into the nuances of home prices, supply and demand dynamics, property taxes, and demographic data that shape this exclusive market. With a backdrop of art galleries, world-class beaches, and an undeniably luxurious lifestyle, Laguna Beach stands
- [Aliso Viejo Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/aliso-viejo-housing-market-trends/) - The Aliso Viejo housing market offers a snapshot of the city's vibrancy, characterized by its varied real estate options and pricing tiers. This article explores the intricacies of the Aliso Viejo real estate landscape, providing potential homeowners and investors with an in-depth look at current home prices, market trends, and what these figures mean for
- [Huntington Beach Housing Market Trends: Essential Data for HomebuyerS](https://chadbushre.com/huntington-beach-housing-market-trends/) - Huntington Beach's real estate market captures the essence of its coastal allure, presenting a landscape that's as vibrant and diverse as the waves lapping its famous shores. This blog post dives into the depths of this market, offering a comprehensive snapshot of home prices, trends, and the overarching dynamics at play. From the steady rise
- [Laguna Niguel Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/laguna-niguel-housing-market-trends/) - The Laguna Niguel housing market stands as a testament to refined living within the bustling heart of Orange County. This article delves into the nuances of home pricing across various property types and gauges how the Laguna Niguel market compares with neighboring cities. Through a detailed assessment of recent sales data and price trends, this
- [Santa Ana Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/santa-ana-housing-market-trends/) - The Santa Ana housing market presents a landscape of opportunities within Orange County's dynamic environment. This article examines home prices across various property types, providing insight into Santa Ana’s positioning within the broader market. With detailed analysis, readers will gain an understanding of value propositions ranging from single-family homes to condominiums, equipping them with the
- [Irvine Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/irvine-housing-market-trends/) - A deep dive into the Irvine housing market presents a vivid picture of property values, demand patterns, and comparative market standings within the diverse array of Orange County real estate. This detailed examination critically examines the various property types within the Irvine housing market and their relative market positions, providing crucial insights for prospective buyers
- [San Clemente Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/san-clemente-housing-market-trends/) - The San Clemente housing market offers a variety of real estate options for prospective buyers. This comprehensive analysis delves into the intricate details of home prices, supply and demand, and broader economic indicators to offer a holistic view of San Clemente’s real estate landscape. From median home prices to inventory levels and market fluidity, this
- [Laguna Woods Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/laguna-woods-housing-market-trends/) - Exploring the nuances of the Laguna Woods housing market reveals a distinctive landscape shaped by its prevalent retirement community. This analysis presents a deep dive into the median home prices and property types unique to the area, contrasting them with the broader Orange County market to position Laguna Woods in its proper context. The intent
- [Mission Viejo Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/mission-viejo-housing-market-trends/) - Situated amidst the rolling hills of Southern California, the Mission Viejo housing market offers a blend of suburban calm and urban accessibility. This report delves into the latest market conditions and trends essential for those considering a home purchase here. It highlights key factors like median home prices and supply-demand dynamics, providing a clear picture
- [Fullerton Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/fullerton-housing-market-trends/) - This article examines the Fullerton housing market, shedding light on the critical aspects that shape its current state. Focusing on median home prices, inventory levels, and key economic indicators offers insight into Fullerton's position within the larger Orange County real estate landscape. Detailing the prevailing trends and market dynamics serves as an essential guide for
- [Costa Mesa Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/costa-mesa-housing-market-trends/) - This in-depth exploration of the Costa Mesa housing market reveals critical elements that define its current landscape within Orange County’s real estate realm. Analyzing factors such as median home prices, the ratio of supply to demand, and essential economic indicators provides clarity on how Costa Mesa stands within the region's complex property market. This article
- [Lake Forest Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/lake-forest-housing-market-trends/) - This report thoroughly examines the Lake Forest housing market, offering a detailed look at home valuations by property type and contextualizing Lake Forest's place within Orange County's varied real estate scene. Comprehensive data on housing supply, demand dynamics, and vital economic indicators are provided to equip prospective homeowners and investors with the tools for informed
- [Yorba Linda Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/yorba-linda-housing-market-trends/) - The Yorba Linda housing market presents a distinctive profile within the Orange County area. This analysis explores key real estate trends, including property pricing and market activities, offering potential buyers essential information about the locality. Amidst a varied job market and community setting, the data compiled here offers a clear view of what drives Yorba
- [Dana Point Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/dana-point-housing-market-trends/) - The Dana Point housing market presents an intriguing blend of luxury and accessibility, reflective of its maritime heritage and laid-back sophistication. This report ventures into the heart of Dana Point's residential landscape, unveiling the nuances of its real estate prices across various property types and placing them in context with the broader Orange County market.
- [City Of Orange Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/city-of-orange-housing-market-trends/) - The City of Orange housing market presents a snapshot of Orange County’s vibrant property scene, offering insights into the diverse range of home prices and the demand within this quintessentially Southern Californian community. This analysis provides an in-depth look at the nuances of the City of Orange's real estate, comparing it to the broader county
- [Garden Grove Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/garden-grove-housing-market-trends/) - The Garden Grove housing market embodies the dynamic spirit of Southern California, offering a diverse range of properties that cater to various preferences and budgets. This report dives into the depths of Garden Grove’s real estate landscape, examining the current home prices by property type and juxtaposing them with the broader market of Orange County.
- [Tustin Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/tustin-housing-market-trends/) - The Tustin housing market showcases a selection of property types with prices that align with the larger Orange County trends, yet remain distinctive to Tustin. This article will guide you through the essential details of the market, including recent sales prices for different types of homes, the current inventory, how fast homes are selling, as
- [San Juan Capistrano Housing Market Trends: Essential Data for Homebuyers](https://chadbushre.com/san-juan-capistrano-housing-market-trends/) - The San Juan Capistrano housing market offers a distinct snapshot of real estate in a city that melds historic charm with modern living. Compared to the broader Orange County landscape, this analysis delves into the intricate fabric of home prices, types, and market trends within San Juan Capistrano. Readers will gain a clear perspective on
- [Pros and Cons of Living In Irvine, California](https://chadbushre.com/pros-and-cons-of-living-in-irvine-california/) - Irvine, California, offers a blend of natural beauty and urban convenience. It's known for its mild climate and landscape dotted with rolling hills and protected natural areas. These features make it a great place to live for those who appreciate the outdoors, offering everything from hiking and biking trails to parks perfect for a weekend

## Pages

- [HOME](https://chadbushre.com/) - Your Resource for Real Estate and Home Financing Solutions Explore Financing Options Latest VIdeos Buying A Home When You’re Your Own Boss If you’re self-employed, getting a mortgage isn’t impossible… but it usually comes with a few extra questions (and probably a follow-up email or five). You don’t have to figure it all… Fixed vs
- [FINANCING](https://chadbushre.com/financing/) - https://chadbushre.com/wp-content/uploads/2025/05/Media_Video_Educational-YourMortgage-O.mp4 Powered by Alex Carlucci Apply now Conv FHA VA Jum/Non USDA Home Price/Value % Down (>3%) / Equity $ Loan Amount $ Interest Rate % Loan Term 30 years 25 years 20 years 15 years 10 years Principal and Interest Payment (monthly) $2,049 Property Tax $ (yearly) Home Insur $ (yearly) HOA Dues $
- [guides](https://chadbushre.com/guides/) - Quick Guides Simple guides you can use today. Browse Quick Guides Templates & Checklists Ready-to-use forms and checklists. Browse Templates & Checklists
- [Full Video Library](https://chadbushre.com/full-video-library/) - Full Video Library View By Subcategories → Buying A Home When You’re Your Own Boss If you’re self-employed, getting a mortgage isn’t impossible… but it usually comes with a few extra questions (and probably a… Fixed vs Adjustable Rate Mortgages Let’s break down two home loan options. Learn how fixed-rate mortgages offer steady principal and
- [California Real Estate](https://chadbushre.com/california-real-estate/)
- [Videos](https://chadbushre.com/videos/) - Funny Real Estate Memes See All Funny Videos Buying A Home When You’re Your Own Boss If you’re self-employed, getting a mortgage isn’t impossible… but it usually comes with a few extra questions (and probably a… How NOT To Start The Home Loan Process Clicked one button… now you’re in a call center’s group chat.
- [Buying Basics](https://chadbushre.com/buying-basics-all/) - Home Buying Basics Videos Fixed vs Adjustable Rate Mortgages Let’s break down two home loan options. Learn how fixed-rate mortgages offer steady principal and interest payments, even if taxes… Pre-Qualification vs. Pre-Approval Let’s break down debt-to-income ratios, what they are, why they matter, and how lenders use them. Learn the FHA guidelines… Understanding How Debt
- [FHA Loans](https://chadbushre.com/fha-loans-all/) - FHA Loan Videos Finance Solar & Wind Upgrades With Your FHA Loan Explore how the FHA Solar and Wind Technologies Program lets homebuyers finance renewable energy upgrades directly in their FHA loan…. Your Complete Guide to FHA Loan Limits Learn what loan limits are, how they vary by property type and region, and why HUD
- [VA Loans](https://chadbushre.com/va-loans-all/) - VA Loan Videos Restoring Your VA Loan Benefits If you’ve used a VA loan in the past and have since paid it off or refinanced into a non-VA… What You Should Know About the VA Funding Fee If you’re using a VA loan to buy a home, there’s one cost you don’t want to overlook:
- [Funny Real Estate Memes](https://chadbushre.com/funny-real-estate-memes/) - Funny Real Estate Memes Buying A Home When You’re Your Own Boss If you’re self-employed, getting a mortgage isn’t impossible… but it usually comes with a few extra questions (and probably a… How NOT To Start The Home Loan Process Clicked one button… now you’re in a call center’s group chat. Pro tip: Not all
- [Privacy Policy](https://chadbushre.com/privacy-policy/) - Privacy Policy This Privacy Policy explains how your personal information is collected, used, and protected when you submit your information through this form or other means of contact. What We Collect: We collect basic contact and loan-related information, such as your name, phone number, email address, estimated income, credit status, and general loan needs. How
- [CONTACT](https://chadbushre.com/contact/) - get in touch
- [BLOG](https://chadbushre.com/blog/) - BLOG POSTS VA Loan vs Conventional Loan: Which Is Better for Veterans? By Chad Bush Introduction If you’re a veteran or active-duty military member looking to buy a home, you’re probably considering a VA loan or a conventional loan. Both options offer unique benefits, and understanding… Living Trust Essentials: How to Protect Your Home and
- [ABOUT](https://chadbushre.com/about/) - A little about Chad… I’m Chad Bush, a licensed Mortgage Loan Officer dedicated to helping homebuyers across the United States. Proudly serving clients nationwide from my office in Orange County, California, I bring my expertise in a wide range of loan programs—including VA, FHA, USDA, and Conventional loans—and I explain each option in clear, straightforward
- [Helpie FAQ - Group Sample](https://chadbushre.com/helpie_faq_page/) - [helpie_notices group_id='149'/]
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- [Client Portal](https://chadbushre.com/clients/)
- [SELL](https://chadbushre.com/sell/)
- [BUY](https://chadbushre.com/buy/)

## FAQs

- [How long do I have to wait before I can refinance my VA loan?](https://chadbushre.com/helpie_faq/how-long-do-i-have-to-wait-before-i-can-refinance-my-va-loan/) - Typically, you need to wait at least 210 days from the closing of your original VA loan before you can refinance. This waiting period ensures the stability of the loan and compliance with VA guidelines.
- [Can I use a VA Cash-Out Refinance to pay off other debts?](https://chadbushre.com/helpie_faq/can-i-use-a-va-cash-out-refinance-to-pay-off-other-debts/) - Yes, you can use the VA Cash-Out Refinance to pull equity from your home and use it to pay off high-interest debts, make home improvements, or cover other large expenses.
- [What are the eligibility requirements for surviving spouses?](https://chadbushre.com/helpie_faq/what-are-the-eligibility-requirements-for-surviving-spouses/) - Surviving spouses may be eligible for VA loan refinancing if the veteran died in service or as a result of a service-related disability. Additional eligibility requirements may apply depending on the type of refinance.
- [How does refinancing with a VA loan affect my monthly payments?](https://chadbushre.com/helpie_faq/how-does-refinancing-with-a-va-loan-affect-my-monthly-payments/) - Refinancing can lower your monthly payments if you secure a lower interest rate or extend the loan term. However, shortening the loan term may increase your monthly payments but reduce the overall interest paid.
- [What is the difference between a VA Streamline Refinance (IRRRL) and a VA Cash-Out Refinance?](https://chadbushre.com/helpie_faq/what-is-the-difference-between-a-va-streamline-refinance-irrrl-and-a-va-cash-out-refinance/) - The VA Streamline Refinance is designed to lower your interest rate and simplify the refinancing process, often without an appraisal. The VA Cash-Out Refinance allows you to access your home equity, replacing your existing mortgage with a new VA loan while pulling out cash for other needs.
- [Can I refinance a non-VA loan into a VA loan?](https://chadbushre.com/helpie_faq/can-i-refinance-a-non-va-loan-into-a-va-loan/) - Yes, with a VA Cash-Out Refinance, you can replace a non-VA loan with a VA-backed loan, which may give you access to better terms and benefits, including no private mortgage insurance (PMI).
- [What are the costs involved with VA loan refinancing?](https://chadbushre.com/helpie_faq/what-are-the-costs-involved-with-va-loan-refinancing/) - The costs typically include an appraisal (if required), origination fees, closing costs, and possibly a VA funding fee. However, the funding fee may be waived for veterans with service-connected disabilities.
- [Do I need an appraisal to refinance my VA loan?](https://chadbushre.com/helpie_faq/do-i-need-an-appraisal-to-refinance-my-va-loan/) - For a VA Streamline Refinance (IRRRL), an appraisal is often not required. However, for a VA Cash-Out Refinance, a full appraisal is usually necessary to determine the value of your home.
- [Can I refinance if my credit score is low?](https://chadbushre.com/helpie_faq/can-i-refinance-if-my-credit-score-is-low/) - VA loans are generally more lenient with credit scores, but most lenders will still require a minimum score. The exact score needed can vary by lender, and other factors like debt-to-income ratio will also be considered.
- [Is there a limit to how many times I can refinance a VA loan?](https://chadbushre.com/helpie_faq/is-there-a-limit-to-how-many-times-i-can-refinance-a-va-loan/) - There is no specific limit on how many times you can refinance a VA loan, but each time, you must meet the eligibility requirements and show that refinancing offers a clear financial benefit, such as a lower interest rate or better loan terms.
- [Your First FAQ Question](https://chadbushre.com/helpie_faq/your-first-faq-question/) - Your relevent FAQ answer.
- [Simple FAQ](https://chadbushre.com/helpie_faq/simple-faq/) - Simple FAQ Content
- [Simple FAQ - 2](https://chadbushre.com/helpie_faq/simple-faq-2/) - Simple FAQ Content - 2

## My Templates

- [Default Kit](https://chadbushre.com/?elementor_library=default-kit-2)
- [backup 2.10.24](https://chadbushre.com/?elementor_library=backup-2-10-24) - Latest Articles How to Travel Like a Local: 5 Best Tips For Amazing Trips If you’ve ever felt like the world is too big, too confusing or just downright overwhelming to tackle on your own, then this blog post is for you. I know what it feels like when it… Read More What Does a
- [Default Kit](https://chadbushre.com/?elementor_library=default-kit)

## Videos

- [Top 5 Big Metros Where Listings Jumped The Most](https://chadbushre.com/video/top-5-big-metros-where-listings-jumped-the-most/) - Quick market look: among the top 50 metros, active listings are up 26.2% on a 3-month average, from ~455k to ~574k. In this video, I count down the five metros with the biggest increases and show the added homes and percent change. If you want help dialing in a mortgage plan, message or text me
- [Mortgage Shopping: Flashy Rates vs Real Costs](https://chadbushre.com/video/mortgage-shopping-flashy-rates-vs-real-costs/) - Some offers look great at first glance. A lender quotes a low rate, but later you find out it assumes you buy discount points or comes with higher fees at closing. That can make a loan look better than it really is. If you’re early in the process and comparing options, I can help you
- [Buying a Home in Today’s Market](https://chadbushre.com/video/buying-a-home-in-todays-market/) - Bidding wars can happen, but the market today is starting to look different. Homes are staying on the market longer, and buyers have more leverage than they did a year ago. If you’re thinking about buying, the best way to stand out is by being ready with your financing. I can help you get preapproved,
- [Top 5 Metro Areas with Largest Price Drops](https://chadbushre.com/video/top-5-metro-areas-with-largest-price-drops/) - Quick countdown of the top 5 large metros with the biggest price decreases. I compare the 3-month average of median listing prices for Jun–Aug 2025 with the same months in 2024, limited to the 50 metros with the most active listings. For context the national move was about 0.2 percent up. If you want help
- [Top 5 Big Metros with Rising Prices](https://chadbushre.com/video/top-5-big-metros-with-rising-prices/) - Quick countdown of the top 5 large metro areas where prices increased the most. I compare the 3-month average of median listing prices for Jun–Aug 2025 with the same months in 2024, limited to the 50 metros with the most active listings. For context, the national prices were up about 0.2 percent. If you want
- [When Your Fixer-Upper Meets Contractor Problems](https://chadbushre.com/video/when-your-fixer-upper-meets-contractor-problems/) - Buying a fixer-upper can sound exciting, but contractor issues can pile up fast. Renovations rarely go as planned, and unexpected delays or setbacks can test any homeowner’s patience. If you are thinking about buying a home that needs work, it helps to know what you are getting into and how to prepare for the challenges
- [How a 1% Drop in Mortgage Rates Impacts Buying Power](https://chadbushre.com/video/how-a-1-drop-in-mortgage-rates-impacts-buying-power/) - A one percent change in mortgage rates can shift your budget by about ten percent. In this quick video, I break it down into two simple scenarios: -More buying power with the same payment -Lower monthly payment on the same home price Every buyer’s situation is different, so these are illustrations only. If you’d like
- [Impulse Buying, Real Estate Edition](https://chadbushre.com/video/impulse-buying-real-estate-edition/) - It is easy to get swept up in the excitement of finding a home that feels perfect right away. But rushing into a purchase can lead to surprises you did not bargain for. Before you buy, make sure the house and the loan both check out. I can help you go through your options and
- [When Your Friend’s Mortgage Advice Is Just YouTube Buzzwords](https://chadbushre.com/video/when-your-friends-mortgage-advice-is-just-youtube-buzzwords/) - We all have that one friend who tries to sound like an expert but is really just repeating buzzwords. Mortgages do not have to be confusing. I can walk you through the process and explain what really matters when you are buying a home.
- [California’s Housing Rebound vs the U.S.](https://chadbushre.com/video/californias-housing-rebound-vs-the-u-s/) - California’s housing supply has bounced back in a big way. After hitting record lows in 2022, listings across the state are now up 36% compared to last year and nearly 244% from the bottom. In fact, California is running well above its typical supply, while the U.S. overall is still just catching up. For buyers,
- [Not Cut Out for Construction](https://chadbushre.com/video/not-cut-out-for-construction/) - Fixer-uppers can look like a fun idea for some, but the projects pile up fast if you’re not handy. Whether you go for a house that needs work or one that’s move-in ready, I can help make the financing part simple. Message me to learn about your options.
- [When Hiring A “Family Friend” Realtor Goes Wrong](https://chadbushre.com/video/when-hiring-a-family-friend-realtor-goes-wrong/) - Funny on TV, not so funny in real life. The right realtor can make or break your home search, and the same goes for your mortgage. If you’re thinking about buying, I can walk you through loan options and help you get qualified so you don’t run into surprises.
- [VA Loans: How Buying with a Family Member Works](https://chadbushre.com/video/va-loans-how-buying-with-a-family-member-works/) - Buying a home with family using a VA loan can get confusing fast. Do you need a down payment? Can both incomes count? In this video I break it down into the 3 most common situations veterans run into and show you exactly how it works. If you want help figuring out the best path
- [When the Mortgage Lender Verifies Your Job](https://chadbushre.com/video/when-the-mortgage-lender-verifies-your-job/) - George invented Vandelay Industries… but in real life, lenders always check. If you’re planning to buy a home, I can walk you through the preapproval process and make sure you know exactly what lenders are going to look for. DM me to get started.
- [How Many Homes Are for Sale in the U.S.?](https://chadbushre.com/video/how-many-homes-are-for-sale-in-the-u-s/) - If you were house hunting in 2022, you probably remember how tough it felt. Multiple offers, bidding wars, homes gone in a couple of days. Back then, active listings across the U.S. hit an all-time low of just 346,000 homes. Fast forward to today, and we’re sitting at over 1.1 million homes for sale. That
- [Finding Out Your Annoying Ex Is Moving In Next Door](https://chadbushre.com/video/finding-out-your-annoying-ex-is-moving-in-next-door/) - The house can be perfect, but the neighbors? That’s another story. 🏡 While I can’t pick your neighbors, I can help make sure you’re preapproved and ready to snag the right home when it comes along. DM me to talk through your mortgage options!
- [The “Back in My Day” Mortgage Tips](https://chadbushre.com/video/the-back-in-my-day-mortgage-tips/) - Not all mortgage advice holds up over time. If you want today’s rules and a quick preapproval, DM me and I’ll walk you through it.
- [Most Expensive Southern California Cities](https://chadbushre.com/video/most-expensive-southern-california-cities/) - Southern California has a reputation for sky-high home prices. Not every city fits that image, but these five definitely do.This list shows the most expensive cities in SoCal. The rankings are based on median sale price in 2025 so far. Each city averaged at least 100 active listings per month. If these are out of
- [When You Realize Why It Was Priced So Low](https://chadbushre.com/video/when-you-realize-why-it-was-priced-so-low/) - While I can’t prevent neon sign surprises, I can help you get preapproved and guide you through the mortgage process, so you’re ready when that dream home comes along. You do the night check and I’ll handle everything on the mortgage side of things. DM me to discuss your options.
- [When Skipping the Home Inspection Backfires: It's Arrested Development](https://chadbushre.com/video/when-skipping-the-home-inspection-backfires-its-arrested-development/) - Before you buy a home, make sure you’ve got all your bases covered. Missing key steps like getting preapproved early or skipping the inspection can lead to surprises you definitely don’t want. I can help make sure nothing gets missed in the process.
- [5 Most Affordable Cities in SoCal’s Coastal Counties (2025)](https://chadbushre.com/video/5-most-affordable-cities-in-socals-coastal-counties-2025/) - Not every Southern California coastal county is sky-high on price. Here’s a quick look at the most affordable cities in each of the five coastal counties, all with populations over 50,000, based on June 2025 prices. Want to see what you can qualify for in these areas? Reach out, and I can help you figure
- [What Not to Do During the Mortgage Process](https://chadbushre.com/video/what-not-to-do-during-the-mortgage-process/) - Making a big purchase during the mortgage process, like a new boat, can cause confusion, delays, or even hurt your chances of closing. If you’re thinking about buying a home, let’s talk first so you can avoid surprises and keep things on track. Message me if you have questions or want to explore your options.
- [VA Funding Fee Exemptions](https://chadbushre.com/video/va-funding-fee-exemptions/) - If you’re planning to use a VA loan, there is usually a one-time funding fee included in the loan. This helps keep the VA loan program running for other veterans and service members. However, a large number of buyers using VA loans are exempt from paying that fee. You may qualify for an exemption if:
- [Not all home loan situations are simple, and that’s okay.](https://chadbushre.com/video/not-all-home-loan-situations-are-simple-and-thats-okay/) - You don’t need perfect paperwork or a traditional job to apply for a home loan. I can help you figure out what’s possible. Ready to get started or have questions? Send me a message.
- [When the loan qualification call takes a slight detour](https://chadbushre.com/video/when-the-loan-qualification-call-takes-a-slight-detour/) - Mortgage conversations don’t always stay on topic, and that’s okay. My job is to keep things moving and make the loan process as simple as possible. If you're thinking about buying a home or want to see what you qualify for, I'm here to help.
- [Buy Your First Home With Little To No Money Down](https://chadbushre.com/video/buy-your-first-home-with-little-to-no-money-down/) - You don’t have to rely on sketchy backup plans or hope someone “finds the money.” There are real options out there, including loan types with low (or even 0%) down payment requirements, assistance programs, and even ways to have the seller help with closing costs. Let’s see what you might qualify for. Message me if
- [5 Things Veterans Should Know About VA Loans](https://chadbushre.com/video/5-things-veterans-should-know-about-va-loans/) - Think you’ve heard it all about VA loans? Most veterans know the basics, but there are a few powerful benefits that often get overlooked. This video breaks down 5 things every veteran and service member should know before buying a home. ✅ No down payment ✅ No monthly PMI ✅ Flexible credit options ✅ Reusable
- [Homebuyers Are Ditching Banks - Here's Why](https://chadbushre.com/video/homebuyers-are-ditching-banks-heres-why/) - As a mortgage broker, I work with over 270 different lenders, including many with more flexible guidelines than traditional banks. That means more options, potentially better rates, and loan solutions that actually fit your situation. 📩 Reach out if you've been turned down elsewhere or if you just want to explore what other options may
- [Secure Your Home Loan Rate](https://chadbushre.com/video/secure-your-home-loan-rate/) - Worried about interest rates changing while you’re buying a home? A mortgage rate lock can protect you from sudden increases while you finalize your loan. In this video, I’ll explain what a rate lock is, when it makes sense to use one, and what to watch out for. If you’re not sure when to lock
- [Home Loans for Self‑Employed and Gig Workers](https://chadbushre.com/video/home-loans-for-self‑employed-and-gig-workers/) - If you're self-employed or working gig jobs and worried about qualifying for a mortgage, you're not alone. The good news? FHA loans offer flexible income guidelines that may make it easier to buy a home—even if your income isn’t the same every month. Let’s break down how it works and what you’ll need to get
- [Buying a Condo or Townhome with Lower Credit? Here's What to Know](https://chadbushre.com/video/buying-a-condo-or-townhome-with-lower-credit-heres-what-to-know/) - Condos and townhomes are often more affordable than single-family homes, which makes them a great option if you have lower credit or limited savings. FHA loans can make buying one easier by allowing low down payments and more flexible credit requirements. But here’s the catch—not all condos or townhomes are FHA-approved. The community must meet
- [Can You Still Buy a Home After Bankruptcy?](https://chadbushre.com/video/can-you-still-buy-a-home-after-bankruptcy/) - If you’ve gone through bankruptcy, buying a home might feel out of reach, but it’s still possible. Many people rebuild their credit and qualify for home loans, and FHA loans are one of the most common options after bankruptcy. With flexible credit requirements and low down payment options, FHA loans are designed to help you
- [How a Loan Officer Can Make Homebuying Easier](https://chadbushre.com/video/how-a-loan-officer-can-make-homebuying-easier/) - Feeling overwhelmed by the homebuying process? Working with a loan officer early on can save you time, money, and stress. They typically won’t cost you anything out of pocket, help you figure out which documents you need, and match you with the right loan. Plus, having a pro handle the details can keep you organized
- [VA Supplemental Loans: Covering Unexpected Costs](https://chadbushre.com/video/va-supplemental-loans-covering-unexpected-costs/) - If unexpected home repair costs arise after your VA loan closes, a VA Supplemental Loan can help you afford critical improvements without the stress and complexity of a second mortgage.
- [Home Loans for Lower Credit Scores](https://chadbushre.com/video/home-loans-for-lower-credit-scores/) - Worried your credit isn't perfect? Discover home loan options designed specifically for buyers with lower credit scores, including FHA, VA, and USDA loans, and learn how you can still achieve homeownership.
- [FHA vs. Conventional Loans: What's the Difference?](https://chadbushre.com/video/fha-vs-conventional-loans-whats-the-difference/) - Compare FHA and conventional loans and understand which is best based on your credit score, down payment savings, and homeownership goals. Get clarity to confidently choose the right mortgage for you.
- [VA Loans for Home Repairs & Upgrades](https://chadbushre.com/video/va-loans-for-home-repairs-upgrades/) - Veterans and military members: your VA loan can cover important home repairs and upgrades like roofing or plumbing. Discover how VA Alteration and Repair Loans can simplify your home improvement journey.
- [How To Get Your Down Payment or Closing Costs Covered](https://chadbushre.com/video/how-to-get-your-down-payment-or-closing-costs-covered/) - Struggling with the upfront costs of buying a home? Explore programs offering grants and special loans that can help cover your down payment or closing costs, helping make homeownership affordable and achievable.
- [VA Loans Can Pay for Energy-Saving Home Upgrades](https://chadbushre.com/video/va-loans-can-pay-for-energy-saving-home-upgrades/) - Veterans and service members, your VA loan can fund energy-efficient upgrades like new windows, insulation, or solar panels. Learn how VA Energy Efficient Mortgages can lower your bills without extra upfront costs.
- [How the Fed's Decisions Affect Mortgage Rates](https://chadbushre.com/video/how-the-feds-decisions-affect-mortgage-rates/) - Mortgage rates aren't only tied to the Fed's decisions. Learn how factors like the 10-year Treasury yield and inflation impact mortgage rates and understand what this means for your home buying plans.
- [How Your Credit Score Affects Your Mortgage](https://chadbushre.com/video/how-your-credit-score-affects-your-mortgage/) - Your credit score significantly impacts your home loan rate and monthly payment. Learn exactly what makes up your score and how even small improvements can lead to better mortgage terms and lower payments.
- [VA Loan Refinance Waiting Period Explained](https://chadbushre.com/video/va-loan-refinance-waiting-period-explained/) - This video explains the VA loan refinance waiting period you need to know before making any moves. If you're thinking about refinancing your VA loan, you'll learn that you must wait at least 210 days (about 7 months) from your last loan closing date and make at least 6 monthly payments. We also cover why
- [Who Qualifies for a VA Loan? Eligibility Requirements Explained](https://chadbushre.com/video/who-qualifies-for-a-va-loan-eligibility-requirements-explained/) - Let's breaks down who qualifies for a VA loan. It covers the basic eligibility requirements for veterans, active-duty service members, National Guard and Reserve members, and surviving spouses. Learn about the service length requirements and the added benefit of being able to reuse your VA loan benefits throughout your lifetime. Essential information for anyone considering
- [VA Loan Closing Costs Explained: What You'll Pay](https://chadbushre.com/video/va-loan-closing-costs-explained-what-youll-pay/) - This video breaks down what to expect when closing on a VA loan. Learn about the key costs—from the origination fee and appraisal fee to title insurance, recording fees, and more. Discover how the VA funding fee and prepaid taxes and insurance factor in, plus tips on reducing out-of-pocket expenses with seller concessions or rolling
- [VA Refinancing Funding Fee Explained: VA Streamline & Cash-Out Options](https://chadbushre.com/video/va-refinancing-funding-fee-explained-va-streamline-cash-out-options/) - This video explains the VA funding fee for refinancing, covering both the VA Streamline Refinance (IRRRL) and VA Cash-Out Refinance options. Learn how the fee is calculated—0.5% for the IRRRL option and 2.15% (or 3.3% for repeat users) for a cash-out refinance—and discover how veterans receiving disability benefits may be exempt. Get a clear, simple
- [Must-Have Documents for VA Loan Pre-Approval](https://chadbushre.com/video/must-have-documents-for-va-loan-pre-approval/) - Preparing for VA loan pre-approval? This video breaks down the essential documents you need to have ready to streamline the process. Learn which documents are key—from proof of military service and your VA Certificate of Eligibility to income records like W-2s and pay stubs, plus financial statements that show your stability. We also cover extra
- [VA Certificate of Eligibility Explained: How to Apply & What to Expect](https://chadbushre.com/video/va-certificate-of-eligibility-explained-how-to-apply-what-to-expect/) - Learn everything you need to know about obtaining your VA Certificate of Eligibility (COE) in this quick guide. This video explains what a COE is, how to request it—whether via the VA’s online portal or with the help of your lender—and the typical wait times. Plus, discover which documents you'll need if you're a veteran,
- [Unlock VA Refinancing: Lower Payments & Access To Cash!](https://chadbushre.com/video/unlock-va-refinancing-lower-payments-access-to-cash/) - Explore your VA loan refinancing options and maximize your benefits! In this video, learn how the VA Streamline Refinance can lower your interest rate and monthly payments, and discover how the VA Cash-Out Refinance lets you tap into your home’s equity for improvements or debt payoff. Whether you're a veteran, active-duty service member, National Guard
- [VA Loans Explained: Homeownership with 0% Down](https://chadbushre.com/video/va-loans-explained-homeownership-with-0-down/) - This video breaks down the essentials of VA loans—helping eligible veterans, active-duty service members, National Guard members, reservists, and surviving spouses buy a home with zero down payment. Learn about the benefits, including competitive interest rates, no mortgage insurance premiums, and flexible credit requirements. We also cover key details like the VA funding fee and
- [FHA 203k Explained: Finance Your Home and Renovations In One Loan](https://chadbushre.com/video/fha-203k-explained-finance-your-home-and-renovations-in-one-loan/) - Discover how FHA 203k loans can simplify your home renovation or fixer-upper purchase by financing both the home and its repairs in one package. In this video, learn the key benefits of FHA 203k loans, the types available, and why they’re a smart choice for buyers looking to transform a property without the hassle of
- [FHA Mortgage Insurance Premiums Explained](https://chadbushre.com/video/fha-mortgage-insurance-premiums-explained/) - Learn the ins and outs of FHA mortgage insurance premiums in this quick video. Discover what they are, how the upfront and monthly fees work, and what factors affect your payments—plus refinancing options to potentially lower your costs.
- [Earn Up to $13K to Add Solar When Buying Your Home](https://chadbushre.com/video/earn-up-to-13k-to-add-solar-when-buying-your-home/) - Learn how you can get up to $13,000 back when buying a home by adding solar panels! In this video, I break down the Hope for Homeownership Research Program—a unique FHA incentive that pays you for installing solar. Discover how you can receive 3.5% of your home’s purchase price, complete simple pre-closing steps, and take
- [Understanding How Debt Impacts Your Home Loan Approval](https://chadbushre.com/video/understanding-how-debt-impacts-your-home-loan-approval/) - Are you worried that your debt might block your path to homeownership? In this video, I break down debt-to-income ratios—what they are, why they matter, and how lenders use them. Learn the FHA guidelines on how much of your income should go toward housing and debt, plus tips on what might help you even if
- [Pre-Qualification vs. Pre-Approval](https://chadbushre.com/video/pre-qualification-vs-pre-approval/) - Let's break down debt-to-income ratios, what they are, why they matter, and how lenders use them. Learn the FHA guidelines on how much of your income should go toward housing and debt, plus tips on what might help you even if your numbers aren’t perfect. Get the insights you need to boost your chances for
- [Fixed vs Adjustable Rate Mortgages](https://chadbushre.com/video/fixed-vs-adjustable-rate-mortgages/) - Let's break down two home loan options. Learn how fixed-rate mortgages offer steady principal and interest payments, even if taxes and insurance change, while adjustable-rate mortgages start lower but can vary over time. Understand the key differences to help you decide which option fits your budget and plans.
- [Buying A Home When You’re Your Own Boss](https://chadbushre.com/video/buying-a-home-when-youre-your-own-boss/) - If you’re self-employed, getting a mortgage isn’t impossible… but it usually comes with a few extra questions (and probably a follow-up email or five). You don’t have to figure it all out on your own, though. 📩 Message me if you want help sorting through it.
- [Finance Solar & Wind Upgrades With Your FHA Loan](https://chadbushre.com/video/finance-solar-wind-upgrades-with-your-fha-loan/) - Explore how the FHA Solar and Wind Technologies Program lets homebuyers finance renewable energy upgrades directly in their FHA loan. This video provides a quick overview of eligibility, installation requirements, along with the benefits of a 30% federal clean energy tax credit and potential monthly utility savings. Discover a smart way to cover renovation costs
- [Your Complete Guide to FHA Loan Limits](https://chadbushre.com/video/your-complete-guide-to-fha-loan-limits/) - Learn what loan limits are, how they vary by property type and region, and why HUD updates these limits annually. Whether you're a first-time homebuyer or just curious about FHA guidelines, this video breaks it down so you can best plan your home search.
- [FHA Loan Qualifying Factors](https://chadbushre.com/video/fha-loans-explained/) - Discover how FHA loans can help you achieve homeownership with as little as a 3.5% down payment!
- [Restoring Your VA Loan Benefits](https://chadbushre.com/video/restoring-your-va-loan-benefits/) - If you’ve used a VA loan in the past and have since paid it off or refinanced into a non-VA loan, you may be able to restore your entitlement and use your VA loan benefit again. This means you could qualify for another VA loan to buy your next home—no need to give up the
- [What You Should Know About the VA Funding Fee](https://chadbushre.com/video/what-you-should-know-about-the-va-funding-fee/) - If you're using a VA loan to buy a home, there's one cost you don’t want to overlook: the VA funding fee. It’s a one-time charge that helps keep the VA loan program running, but the amount you pay can vary depending on your situation. In this video, I break down what the VA funding
- [VA Home Loan Escape Clause](https://chadbushre.com/video/va-home-loan-escape-clause/) - If you’re using a VA loan to buy a home, there’s a built-in protection that can save you from overpaying: the VA Escape Clause. If the home appraises for less than your offer, you’re not stuck. You can either renegotiate the price or walk away, without losing your deposit. This clause gives you peace of
- [How NOT To Start The Home Loan Process](https://chadbushre.com/video/how-not-to-start-the-home-loan-process/) - Clicked one button… now you're in a call center's group chat. Pro tip: Not all “get prequalified” buttons are created equal. If you want to avoid the spam and actually talk to a real person, I’ve got you covered.
- [Surviving Preapproval](https://chadbushre.com/video/surviving-preapproval/) - Getting preapproved is a great first step. But opening a new credit card (or financing anything big) can totally mess with your loan. Your mortgage has trust issues.
- [Online Mortgage Calculator Humor](https://chadbushre.com/video/online-mortgage-calculator-humor/) - Online mortgage calculators are great… until they tell you your budget is $200k in a market where the average home costs $1M. Let’s talk about what you actually qualify for.

## Guides

- [FHA Gift Funds Checklist](https://chadbushre.com/guides/fha-gift-funds-checklist/) - A printable FHA gift funds checklist that lists eligible donors, required gift letter details, and acceptable ways to document the transfer. Download PDF
- [FHA Gift Funds: A Simple Guide](https://chadbushre.com/guides/fha-gift-funds-a-simple-guide/) - Here is a quick overview of how FHA gift funds work and what you will need to provide. Download PDF
- [Guides](https://chadbushre.com/guides/guides/)
- [FHA Gift Letter Template](https://chadbushre.com/guides/fha-gift-letter-template/) - An FHA gift letter template in Word that includes the required no repayment statement, donor and borrower details, and signature lines. Download Word (.docx)

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