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PACIFIC BAY mortgage blog

Mortgage Insights

Expert guidance on home financing, Non-QM solutions, real estate investing, and today’s mortgage market.

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DSCR calculation article image showing a rental property, paperwork, and calculator, with the words Rent divided by PITIA.
November 10, 2026

How Is DSCR Calculated? A Simple Guide for Real Estate Investors

Learn how a rental property’s DSCR is calculated using eligible rent and monthly property costs, with a simple example and key underwriting considerations.
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Mortgage professional reviewing loan application documents for potential mortgage fraud red flags.
October 28, 2026

Mortgage Fraud Red Flags: What Brokers Should Watch for in Today’s Loan Applications

Mortgage fraud can appear in many forms, from undisclosed properties and income inconsistencies to occupancy issues and wire fraud. Here are key warning signs mortgage brokers should recognize.
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UAD 3.6 and redesigned URAR appraisal reporting for mortgage brokers
October 26, 2026

UAD 3.6 and the New URAR: What Mortgage Brokers Should Know

UAD 3.6 introduces a redesigned, data-driven URAR and changes how residential appraisal information is reported. Here’s what mortgage brokers should know before the November 2026 transition.
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DSCR No Ratio Loan for real estate investors
October 14, 2026

What Is a DSCR No Ratio Loan? A Flexible Option for Real Estate Investors

A DSCR No Ratio loan may offer another financing path for investment properties when rental income does not meet a standard DSCR requirement. Learn how it works and what investors should consider.
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Self-employed borrower reviewing 6-, 12-, and 24-month bank statement loan options.
October 6, 2026

6 vs. 12 vs. 24 Month Bank Statement Loans: What’s the Difference?

Bank statement loans may use 6, 12, or 24 months of statements to evaluate income. Learn how these documentation periods differ and what self-employed borrowers should know.
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Bank Statement loan for self-employed borrowers
September 28, 2026

Bank Statement Loans: A Flexible Mortgage Option for Self-Employed Borrowers

Bank Statement loans offer eligible self-employed borrowers an alternative way to document qualifying income using eligible deposits rather than relying exclusively on traditional tax-return income.
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WVOE Loans - Written Verification of Employment
September 28, 2026

WVOE Loans: A Simplified Income Documentation Option

WVOE programs can provide eligible wage earners with an alternative method of documenting employment and income for mortgage qualification.
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