Powered by Loan Factory — I shop 240+ lenders to find your lowest rate. Purchase, refinance, FHA, VA — with honest advice and same-day pre-approvals.
I shop across 240+ lenders to match you with the best product and rate for your situation.
Conventional, jumbo, HomeReady® — best rate across 240+ lenders for SoCal buyers.
Rate-and-term, cash-out, streamline — let's find out if a refi makes sense for you.
Low down payment FHA and zero-down VA loans for veterans and service members.
Down payment assistance, HomeReady®, and step-by-step guidance to close with confidence.
Run the numbers yourself — then let me find your actual rate.
Estimated Monthly Payment
Estimates only. Not a loan commitment. Taxes, insurance, and PMI vary.
I shop 240+ lenders to find your actual number — often better than you'd expect.
No SSN. No credit pull. Just a conversation.
Enter your income and debts to see your home buying power across different budget levels.
After taxes, health insurance & 401k deductions
💡 Tip: Monthly debts include car payments, student loans, credit card minimums, and any other recurring obligations — not living expenses.
The three green rows use your net take-home pay — what actually hits your bank account. The red row is what banks technically approve using gross income. There's a big reason we show both.
| Budget Level | DTI | Housing Budget | Home Price | Based On |
|---|
⚠️ Why I calculate it this way — don't get house poor
Banks approve you on gross (pre-tax) income, but you pay your mortgage with net (take-home) pay. When a lender pushes you to the 45% DTI limit using gross income, that mortgage can eat 60–65%+ of your actual paycheck. That's the recipe for being house poor — technically approved, but financially squeezed every month.
💰 Want to see how a home fits your full budget? Visit ffwdmoney.com → — Ron's free money planning tool built to help you buy smart and stay financially healthy.
Estimates only. Actual qualification depends on credit score, assets, and lender guidelines. Not a commitment to lend.
I handle the complexity — you focus on finding your dream home.
Apply online at Loan Factory (takes 10 min) or fill out the quick quote form — no SSN required to start.
I'll personally review your situation and compare rates across our network to find your best option — no pressure, no steering.
Receive your pre-approval letter — usually within 24 hours — so you can shop with confidence and make strong offers.
I help homebuyers and homeowners compare mortgage options and secure competitive rates — with a process that's actually simple and stress-free.
As a California-licensed Mortgage Loan Officer with Loan Factory, I shop from a large network of lenders to find the right fit for your situation. Here's what makes me different: I'm not dependent on your commission to pay my bills. That means no pressure, no steering, and no reason to give you anything but honest advice.
My background in real estate and technology means I blend precision with personal care — giving every client clear options, fast communication, and a transparent process from application to closing. Whether you're buying your first home, refinancing, or exploring investment properties, I'll simplify the complex parts and keep things moving smoothly the whole way.
"Ron is the ultimate professional, with a happy and helpful demeanor. He is always so positive and always has great news to share."
"Ron is friendly and easy to talk to. I highly recommend Ron for all your loan needs. He makes the whole process smooth and stress-free."
"Ron is attentive and hard working. When we had questions he was always available and gave us clear answers at every step."
Individual client experiences may vary. Results are not guaranteed. Past performance does not guarantee future results.
Ready to take the next step? Reach out directly, apply online, or fill out the form and I'll personally respond within a few hours.
Ron Skaggs · NMLS #367873 · Licensed Mortgage Loan Officer, California
Loan Factory, Inc. · NMLS #320841 · Equal Housing Lender
I personally respond to every inquiry, usually within a few hours.