How to Qualify for a USDA Loan

By Stephen | April 30, 2025
Image of Stephen Palermo sitting at his desk explaining New build or existing home

How to Qualify for a USDA Loan If you dream of buying a home in Visalia, Hanford, Fresno, Bakersfield, or anywhere in the Central Valley, learning how to qualify for a USDA loan could change your future. I work every day as your Visalia loan officer to help people like you find affordable mortgage options.…

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What is a Debt Service Coverage Ratio (DSCR) Loan

By Stephen | April 29, 2025
Profile picture of Stephen Palermo loan officer with Gold Standard Mortgage explaining Understanding Mortgage Refinancing

What Is a DSCR Loan?—with Stephen Palermo To begin with, DSCR stands for Debt Service Coverage Ratio Loan. A DSCR loan allows borrowers to qualify based on the income the property produces—not their personal income. Offered by only a select few mortgage lenders, this non-QM (non-qualified mortgage) product breaks away from traditional lending guidelines. Instead…

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