How to Buy a Home When Your Side Hustle Pays the Bills: Navigating the Mortgage Process with Non-Traditional Income

Jul 28, 2025 | Mortgage

Maybe you run drive for Uber on weekends, freelance in graphic design, or manage multiple income streams that don’t fit the “traditional” mold. Welcome to the new normal. At the Potempa Team, we know that just because all of your income isn’t coming from a W-2 doesn’t...

Why You Shouldn’t Wait for Mortgage Rates to Drop to Buy

Jul 1, 2025 | Mortgage

If you’ve been sitting on the sidelines waiting for mortgage rates to drop before buying a home, you’re not alone. We talk to prospective buyers all the time who are hoping for that perfect moment, when rates dip and suddenly everything feels more affordable. We get...

Low Down Payment Loan Options to Help You Buy a Home in 2025

Mar 5, 2025 | Frequently Asked Questions

Are you dreaming of making your goal of homeownership a reality but worried about the down payment? You’re not alone! Many buyers assume they need 20% down to purchase a home, but the reality is that several loan programs allow you to buy with little—or even no—money...

Mortgage Options for Self-Employed Borrowers

Feb 13, 2025 | Mortgage

Being your own boss offers plenty of perks—flexibility, independence, and the ability to build something that’s truly yours. However, when it comes to getting a mortgage, self-employed individuals often hit a few more roadblocks than traditional W-2 employees. The...

Your 2025 Mortgage Roadmap

Feb 3, 2025 | California Mortgages

Whether you’re thinking about buying your first home, refinancing, or exploring investment opportunities, understanding housing market trends and financing options can help you craft your 2025 real estate strategy. At the Potempa Team, we’re here to guide you...