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    • Get a Purchase Quote
    • First-Time Homebuyer / DPA Loans
    • Conventional Home Loans
    • FHA Home Loans
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    • USDA Loans
    • Jumbo Loans
    • Adjustable-Rate Mortgages
    • Self-Employed Borrowers
    • Bank Statement Loans
    • Non QM Loans
    • ITIN Loans
    • Investment Property Financing
    • Renovation and Construction Loans
  • Refinance
    • Get a Refinance Quote
    • Cash-Out Refinance
    • HELOC | Home Equity Line of Credit
    • Refinance Loans
    • Reverse Mortgage
  • Meet The Team
  • Mortgage Calculator
  • Blog
    • First Time Home Buyer Guide
    • Self Employed Mortgages
    • DSCR Loans for Investors
    • High Balance vs Jumbo Loans
    • ITIN Loans in California
    • Downsizing After 55
    • All Mortgage Guides
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Category: Blog

Self employed homebuyer working on a laptop at his home office desk

Self Employed Mortgage in California: Tax Returns, Bank Statements and Your 2026 Options

September 28, 2026
Real estate investor looking at a two story rental home from the street

DSCR Loans in California: How Investors Qualify With Rental Income in 2026

September 28, 2026
Family holding up the keys to their first home outside the front door

First Time Home Buyer in Orange County: CalHFA, Local Help and Your Loan Options in 2026

September 27, 2026
Mediterranean style home with a swimming pool and landscaped garden

High Balance vs Jumbo Loans in Orange County: 2026 Limits and How to Choose

September 27, 2026
House keys on a house shaped key ring against a blue background

ITIN Loans in California: How to Buy a Home With an ITIN in 2026

September 27, 2026
Retired couple relaxing together at the edge of a backyard pool

Downsizing After 55 in Orange County: Prop 19 and the HECM for Purchase

September 27, 2026

Team Shrum | KMC Financial offers personalized mortgage solutions, fast custom quotes, competitive rates, and responsive service, all delivered with integrity.

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KMC Financial, powered by ARBOR Financial Group
The Turnkey Foundation Inc. DBA ARBOR Financial Group | NMLS ID #236669 | www.nmlsconsumeraccess.org
1805 E. Garry Avenue, Santa Ana, CA 92705
Jon Shrum, Mortgage Loan Originator | NMLS ID #335447
California Department of Real Estate License #01845041 | Licensed by the California Department of Financial Protection and Innovation. Loans made or arranged pursuant to a California Financing Law License #60DBO-43870.

Information is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. When refinancing, consider that the total finance charges may be higher over the life of the loan. Certain limitations apply, call for details. For licensing information, go to: www.nmlsconsumeraccess.org. See Disclosures and Licensing at: arborfinancialgroup.net/states-and-licensing.

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