Jay Did The Deal discusses... "Front End or Total Home Obligation Debt-to-Income" ratios. When you apply for a home loan, refinance quote, reverse mortgage, veteran's loan or other mortgage loan quote, the lender will want to know your " Debt-to-Income" (also called "DTI"). Within the mortgage industry, lenders typically look at 2 types of debt to income ratios, "front-end" (also called the TOTAL HOME OBLIGATION) and the "back-end" (also called the TOTAL DEBT RATIO). Here is a quick overview of how to calculate your debt to income. For investments property financing, refinances, first time home buyers, reverse mortgages, veteran loans, second properties, buying, selling, quick refi or more... "any mortgage professional can probably help you...If you want the BEST? You have to be able to say, 'Jay Did The Deal!' "

WHY CHOOSE ME? Have you been looking for a loan officer in California? I AM THE BEST! Here is why. Real estate is an ART. There are MANY "artists" but few make it to the status of Warhol! As it pertains to home loans and mortgages, I am the "Leonardo Da Vinci" you need to hire. When looking for a loan officer, for your cash out refinance, straight refi, 30 year fixed, 15 year, reverse mortgage, debt consolidation, new home loan, purchase, sell or anything in between... you can hire ANY Real Estate/ Loan professional. If you want the best, you have to be able to say, "Jay Did The Deal!"

This video will explain WHAT this channel will be about. I decided to create this channel, because as a licensed mortgage professional, I deal with so many deals, that the information has come to be, "typical" to me, because it's part of my daily life. However, as I traveled around, I got so many questions about various topics, so I made the decision to try and answer these real estate questions, in short, easily digestible videos ranging from 1-4 minutes! Quick, brief, bits of mortgage knowledge. We will cover; - Refinances - Debt to Income (DTI) - Purchases - Real Estate Investing - Real Estate Purchases - Investment Properties - Credit - Liens - Titles - Mortgage Insurance (PMI) - Loan Rates and MUCH MORE!