Home loans, explained on video
A few minutes each, no jargon. Miguel walks through buying, refinancing, and using your home's equity — in English and Spanish.
Buying a Home
- FHA Home Loan Explained
FHA loans let buyers get into a home with as little as 3.5% down and more flexible credit requirements than conventional loans — here's how they work and who they're built for.
- Conventional Home Buyer Loan
What a conventional loan really is, who it fits best, and how it compares to FHA when you're buying a home — explained in plain language.
- When Is a Good Time to Buy a Home?
Waiting for the 'perfect' market usually costs more than it saves. Here's how to tell when the timing is right for your situation — not the headlines.
- When Is the Right Time to Buy a House?
Rates, prices, your savings, your plans — the real factors that decide whether now is your moment to buy, rather than trying to time the market.
- The Perks of Buying: Rent vs. Buy
Rent receipts build someone else's wealth. A look at renting versus owning and the long-term payoff of putting money toward your own home.
Refinancing & Using Equity
- How Taking Equity Out of Your Home Works
What home equity is, how much you can borrow against it, and the common ways to pull it out — cash-out refinance, a second loan, and more.
- How to Refinance to Buy Another Property
Tapping the equity in your current home to fund the next purchase — how a cash-out refinance can help turn one property into two.
- Using Your Equity to Buy a Second Home
Your first home can help you buy your second. How homeowners use built-up equity as the down payment on another property.
- Do You Pay Taxes on a Cash-Out Refinance?
Cash from a refinance isn't income, so it generally isn't taxed. A plain-language look at why — and the spots where taxes can still come into play.
ITIN & Special Programs
- Earned Equity Program: Buy Your First Home with an ITIN or DACA
You don't always need a Social Security number to buy a home. How borrowers with an ITIN or DACA status can qualify and start building equity.
Have a question the videos didn't cover?
Miguel will walk you through your options — no pressure, no obligation. Serving all of California in English and Spanish.