Wiyao Awesso
Mortgage Loan Officer
NMLS: #1939042
CA DRE: #02058584
Licensed in: All 50 States
Experience: 5+ years
Specialties: VA Loans, DSCR, First-Time Buyers, Jumbo Loans, Bank Statement Loans
Wiyao Awesso is a dedicated Mortgage Loan Officer and Real Estate Agent at FIG Homes & Loans, licensed across all 50 states. With a deep commitment to serving veterans, first-time homebuyers, and real estate investors, Wiyao leverages his dual-license expertise to streamline the often complex home buying and financing process. He specializes in VA loans, DSCR for investors, and Jumbo loans for luxury markets. His client-first approach ensures that every buyer receives tailored financial strategies and white-glove service. Whether you're purchasing your first home or expanding your investment portfolio, Wiyao's extensive knowledge of nationwide real estate markets makes him an invaluable partner in achieving your homeownership goals.
Articles by Wiyao
The Great Wealth Transfer: Navigating Prop 19 and Inherited Real Estate in California
Inheriting a home in California? Learn how Proposition 19 impacts your property taxes, the rules for keeping your parents' low tax base, and the massive benefits of the 'step-up in basis' when selling.
House Hacking in Southern California: How to Let Your Tenants Pay Your Mortgage
Discover how to use FHA and VA loans to buy a duplex, triplex, or a home with an ADU. Learn the financial mechanics of house hacking to drastically reduce your living expenses and build wealth.
The Complete Guide to Property Taxes in California: Proposition 13 Explained
Demystify California's unique property tax system. Learn how Proposition 13 protects homeowners, why new buyers experience 'sticker shock,' and how to handle Supplemental Tax Bills.
The Art of the Contingent Offer: Buying a Home Before Selling Yours
Need the equity from your current home to buy your next one? Learn how to structure a winning contingent offer, explore bridge loans, and master the concurrent close.
The Pros and Cons of Buying New Construction in Riverside County
Thinking of buying a brand-new home in Menifee or Winchester? We break down the benefits of modern design against the hidden costs of landscaping, builder contracts, and Mello-Roos taxes.
The Ultimate Guide to Renovation Loans: Turning Fixer-Uppers into Dream Homes
Learn how to finance both the purchase and the renovation of a distressed property with a single mortgage. We break down the differences between FHA 203(k) and Fannie Mae HomeStyle loans.
The Complete Guide to Mello-Roos Taxes in Southern California
Confused by Mello-Roos? This comprehensive guide explains what these special taxes are, how they impact your purchasing power, and whether homes in CFD districts are a good investment.
The Truth About Non-QM Loans: Financing Solutions for Self-Employed Californians
Self-employed in California? Discover how Non-QM loans, including Bank Statement and 1099 programs, allow you to bypass tax returns and qualify for a mortgage based on your true cash flow.
Selling Your Home in a Shifting California Market: Strategies for Maximum ROI
Learn how to sell your California home for top dollar in 2026. Discover high-ROI improvements, the power of professional staging, and why strategic pricing is more critical than ever.
The Ultimate Guide to FHA Loans in Riverside County: A Path to Homeownership for First-Time Buyers
Discover how FHA loans make homeownership accessible in Riverside County. Learn about the 3.5% down payment, flexible credit requirements, and how to navigate FHA appraisals and loan limits.
Navigating the Jumbo Loan Market in High-Cost California Counties
A comprehensive guide to securing Jumbo financing in California's luxury markets. Learn about strict underwriting standards, reserve requirements, and specialized loan products for high-net-worth borrowers.
The Rise of DSCR Loans in California: How Investors are Scaling Their Portfolios in 2026
Discover how Debt Service Coverage Ratio (DSCR) loans are empowering California real estate investors to bypass traditional income verification and rapidly scale their rental portfolios.
Mastering the VA Loan in Southern California: A Guide for Veterans and Active Duty
A comprehensive analysis of maximizing your VA loan benefits in competitive markets like San Diego and the Inland Empire. Learn strategies for winning offers, understanding MPRs, and navigating the zero-down process.
The California Housing Market: 2026 Mid-Year Review and Forecast
A comprehensive analysis of the California real estate market at the mid-point of 2026. Explore regional trends, interest rate impacts, and forecasts for the remainder of the year.
The Ultimate Guide to Luxury Real Estate in Los Angeles
Explore the most exclusive neighborhoods, architectural masterpieces, and market trends in Los Angeles luxury real estate.
30-Day Social Media Content Calendar for Real Estate & Mortgage Professionals
Boost your online presence and generate leads with this comprehensive 30-day social media content calendar designed specifically for real estate agents and mortgage brokers.
The Great Migration: Why Are San Diego and LA Buyers Flocking to Riverside County?
Priced out of San Diego and Los Angeles? Discover why homebuyers are moving to Riverside County for affordability, space, and a better quality of life.
Commuting from Temecula to Camp Pendleton: Is It Worth It for Military Families?
Many military families stationed at Camp Pendleton are choosing to buy homes in Temecula. We explore the pros and cons of the commute and the benefits of living inland.
Menifee, Winchester, and Perris: The New Frontiers for Military Homebuyers
Discover why Menifee, Winchester, and Perris are rapidly becoming top choices for military homebuyers seeking affordability and space.
Priced Out of San Diego? Secure Your Dream Home in Southwest Riverside County
If San Diego home prices have you feeling discouraged, Southwest Riverside County offers a viable and attractive alternative.
The Ultimate Guide for Active Duty: Buying in Murrieta and Commuting to San Diego Bases
Active duty military personnel are increasingly choosing Murrieta as their home base. Learn why and how we make the home buying process seamless.
The Temecula Real Estate Market in 2026: Wine Country Living
Temecula continues to attract buyers seeking a blend of suburban comfort and resort-style amenities. Discover the latest market trends.
First-Time Homebuyer's Guide to Temecula: Navigating Neighborhoods and Financing
Buying your first home in Temecula? Here is your ultimate guide to finding the right neighborhood and securing the best financing.
Using Your VA Loan in Temecula: A Guide for Veterans and Active Duty
Temecula is a highly sought-after destination for military families. Learn how to maximize your VA loan benefits to purchase your dream home.
Building a Rental Portfolio in Temecula: Why Do DSCR Loans Make Sense Here?
Temecula's strong tourism and growing population make it ideal for real estate investors. Discover how DSCR loans can help you scale quickly.
Cashing in on Temecula's Growth: How Can You Maximize Your Home's Sale Price?
Sitting on significant equity in your Temecula home? Learn strategic tips to attract top-tier offers and maximize your return.
The San Diego Real Estate Market in 2026: Coastal Living and Market Dynamics
San Diego remains one of the most desirable housing markets in the country. Explore the latest trends driving 'America's Finest City.'
First-Time Homebuyer's Guide to San Diego: Navigating Neighborhoods and Financing
Breaking into the San Diego housing market can be challenging but highly rewarding. Discover strategies for first-time buyers.
Using Your VA Loan in San Diego: A Guide for Veterans and Active Duty
San Diego is a major military hub. Learn how to leverage your VA loan benefits to purchase a home in this competitive coastal market.
Building a Rental Portfolio in San Diego: Why Do DSCR Loans Make Sense Here?
San Diego's strong rental demand makes it a prime location for investors. Discover how DSCR loans facilitate rapid portfolio growth.
Maximizing Your San Diego Home's Sale Price in a Competitive Market
Selling your San Diego home? Learn how to position your property to attract premium offers and maximize your equity.
The La Jolla Luxury Real Estate Market: Ultra-Luxury Coastal Living
La Jolla represents the pinnacle of Southern California luxury. Explore the market dynamics of this exclusive coastal enclave.
Buying Your Dream Estate in La Jolla: Navigating the Luxury Market
Purchasing a multi-million dollar home in La Jolla requires discretion, strategy, and specialized financing. Here is what you need to know.
Jumbo Loans in La Jolla: Financing Your Multi-Million Dollar Coastal Estate
Standard mortgages won't cover La Jolla real estate. Discover the nuances of Jumbo and Super Jumbo financing for luxury properties.
Building a Luxury Rental Portfolio in La Jolla: Why Do DSCR Loans Make Sense?
La Jolla is a premier destination for high-end vacation rentals and corporate housing. Learn how investors use DSCR loans to acquire luxury properties.
Selling Your La Jolla Estate: Marketing to a Global Audience
Selling ultra-luxury real estate requires a bespoke approach. Learn how to market your La Jolla home to affluent buyers worldwide.
The Poway Real Estate Market: Why Do Families Love 'The City in the Country'?
Poway offers a unique blend of rural charm and elite schools. Discover why this inland city is a top choice for San Diego buyers.
First-Time Homebuyer's Guide to Poway: Navigating Neighborhoods and Financing
Buying your first home in Poway? Here is how to navigate this highly desirable, premium suburban market.
Using Your VA Loan in Poway: A Guide for Veterans and Active Duty
Poway is a fantastic community for military families. Learn how to use your VA loan to purchase a home in this top-rated school district.
Building a Rental Portfolio in Poway: Why Do DSCR Loans Make Sense Here?
Poway's elite schools guarantee strong rental demand from families. Discover how DSCR loans can help you build a profitable portfolio.
Maximizing Your Poway Home's Sale Price: Selling the 'City in the Country' Lifestyle
Selling a home in Poway requires highlighting its unique features. Learn how to attract top-tier buyers and maximize your equity.
Murrieta vs. Temecula: Which Twin City is Right for Your Next Home?
Torn between Murrieta and Temecula? We break down the neighborhoods, schools, and lifestyle differences to help you choose the perfect city.
Navigating Mello-Roos in Murrieta: What Buyers Need to Know About Property Taxes
Understanding Mello-Roos taxes is crucial when buying in Murrieta's newer communities. Here is how they work and how they affect your mortgage.
The Rise of New Construction in Murrieta: Pros, Cons, and Financing
Murrieta is expanding rapidly with new master-planned communities. Discover if buying new construction is the right move for you.
Retiring in Murrieta: A Look at 55+ Communities and Reverse Mortgages
Murrieta is a top retirement destination. Explore the best 55+ communities and how a Reverse Mortgage can help fund your golden years.
Jumbo Loans in Murrieta: Financing Your Luxury Estate in Bear Creek or La Cresta
Looking to buy a luxury property in Murrieta's exclusive neighborhoods? Here is everything you need to know about securing a Jumbo Loan.
Cashing in on Murrieta's Growth: How Can You Maximize Your Home's Sale Price This Spring?
If you've owned a home in Murrieta for the past few years, you are likely sitting on significant equity. Here is how to maximize your return when selling.
First-Time Homebuyer's Guide to Murrieta: Navigating Neighborhoods and Financing
Buying your first home in Southern California can be daunting, but Murrieta offers a sweet spot of affordability and quality of life. Here is your ultimate guide.
Building a Rental Portfolio in Murrieta: Why Do DSCR Loans Make Sense Here?
Murrieta's rapid growth has created surging demand for rental properties. Learn how investors are using DSCR loans to scale their portfolios quickly.
Using Your VA Loan in Murrieta: A Guide for Veterans and Active Duty
Located just a short drive from Camp Pendleton and March Air Reserve Base, Murrieta is a veteran hub. Learn how to maximize your VA loan benefits here.
The Murrieta Real Estate Market in 2026: Why Are Families Flocking to the Valley?
Murrieta has transformed from a sleepy town to a booming real estate hub. Discover why families are choosing this Inland Empire gem over coastal cities.
Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here's What Happened
Understand why mortgage rates spiked immediately after the Federal Reserve cut interest rates, and why homebuyers are still flooding the market.
Could Removing Capital Gains Taxes on Home Sales Revive the Housing Market?
Explore how current capital gains taxes create a 'lock-in' effect for sellers and how proposed tax changes could flood the market with new inventory.
Game-Changer: Credit Scores Just Got Rewritten
Major changes to how credit scores are calculated are here. Learn how the new models affect your mortgage approval odds and purchasing power.
Should You Buy a Home Before Your Divorce is Final? Here's What to Know
Navigating a home purchase during a divorce is legally and financially complex. Discover the risks, rules, and steps to protect your assets.
Why Is Homeownership Still Worth It—Even Beyond the Finances?
Beyond building equity and tax benefits, discover the profound psychological, social, and lifestyle benefits of owning your own home.
Leverage Your Retirement Savings to Buy Your Dream Home Today
Buying a home requires a significant amount of capital. Learn how to strategically use your 401(k) or IRA to fund your down payment.
Turn Generosity into Homeownership: Your Guide to Gift Funds for Down Payments
Gift funds from family can provide the financial boost you need for a down payment. Understand the strict rules and documentation required.
Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform
Mortgage rates have experienced a slight upward tick this week. Learn the mechanics behind these subtle shifts and what they mean for you.
Mortgage Rates Holds Steady After Weak Jobs Report
In a surprising turn of events, mortgage rates have held relatively steady this week following the release of a weaker-than-expected monthly jobs report.
3 Reasons Home Affordability Is Improving This Fall
After a challenging couple of years, prospective homebuyers finally have a reason to be optimistic. Discover why affordability is improving.
What Today's Jobs Report Means for Mortgage Rates
The monthly jobs report is one of the biggest drivers of mortgage rates. Learn how employment data directly impacts the cost of your future home loan.
50-Year Mortgages? Here's What You Need to Know
As home prices remain high, the 50-year mortgage is making headlines. We break down how it works, the pros, and the massive long-term costs.
Finding Your Dream Home: A Self-Employed Buyer's Guide to Success
Getting a mortgage when you are self-employed can be tricky, but it is entirely possible. Learn how to prepare your finances and secure the best loan.
Fannie Mae's Big Update: You May Qualify Even With a Credit Score Below 620
A recent update to Fannie Mae's automated underwriting system is making it easier for borrowers with lower credit scores to secure a conventional loan.
What's Going On With Mortgage Rates? (Explain-It-to-a-5th-Grader Version)
Confused by the news about the Fed, inflation, and bond yields? We break down exactly how mortgage rates work in the simplest terms possible.
Lock-in Effect: Something big just happened in the U.S. Housing Market
The spring housing market is historically the busiest time of year. Learn how to prepare your home, price it right, and attract the best offers.
Holiday Week Catch-Up: Mortgage Rates Hover Near 2-Month Lows
FHA loans remain a top choice for first-time buyers. Explore the updated 2026 guidelines, low down payment benefits, and how to qualify.
Inflation Cools in November — What It Means for Mortgage Rates
Skip the complex income verification. Learn how Debt Service Coverage Ratio (DSCR) loans help investors scale their rental portfolios faster.
Fed Cuts Again, But Dot Plot Steers Mortgage Rate Outlook
When your dream home exceeds conventional loan limits, a Jumbo Loan is the answer. Understand the requirements, rates, and approval process.
Stronger Data Last Week Caused a Slight Rate Bump
It's the ultimate real estate question. We break down the hidden costs, long-term wealth building potential, and lifestyle factors to help you decide.
HELOC vs. Cash-Out Refinance: Finding the Right Fit for Your Future
Both a HELOC and a Cash-Out Refinance allow you to tap into your home's equity, but they work in very different ways. Discover which option aligns best with your financial goals.
Riverside County First-Time Homebuyer Programs: Your Roadmap to Affordable Homes
Navigating the Riverside County real estate market as a first-time buyer? Discover the local and state assistance programs that can provide down payment help and make homeownership a reality.
Smart Buyers Can Benefit When Rates Rise
Higher interest rates don't have to mean putting your home search on hold. Discover how savvy buyers use rising rate environments to their advantage.
Where Might an ARM (Adjustable-Rate Mortgage) Be a Smarter Move?
Fixed-rate mortgages aren't the only option. Learn when an Adjustable-Rate Mortgage (ARM) can save you thousands and give you financial flexibility.
Is Refinancing Your Mortgage the Right Move?
Refinancing can lower your payment, shorten your term, or give you cash out. But is it the right move for you right now? Here is how to decide.
Your Equity Is Doing Nothing — Here's How Smart Homeowners Use It
Discover how to unlock the hidden wealth in your home. Learn the smartest strategies to leverage your home equity for wealth building, renovations, and debt consolidation.
This Week in Mortgage Rates: Buyers Are Back as Rates Hover in the Low 6s
With mortgage rates stabilizing in the low 6% range, buyers are returning to the market. Here is a breakdown of what this means for your home search.
How Often Can You Use a VA Loan?
Think the VA loan is a one-time benefit? Think again. Discover how veterans and active-duty service members can use their VA loan benefits multiple times.
Why Do Mortgage Rates Move: What Every Homebuyer Should Know?
Mortgage rates fluctuate daily, but they aren't completely random. Understand the key economic indicators and market forces that drive interest rates up or down.
Master Your First Mortgage: Key Comparisons for Confident Homebuyers!
Buying your first home is exciting, but choosing the right mortgage can be daunting. Here is a comprehensive comparison of your top loan options to help you buy with confidence.
Housing Affordability in 2026: Why Are Rates not the Only Factor?
Interest rates dominate the headlines, but they are only one piece of the housing affordability puzzle. Discover the hidden factors shaping the real estate market in 2026.
Loyalty to Your Bank? Even With Your Home-Loan?
You've banked with them for years, but does that mean they will give you the best mortgage? Discover why shopping around is crucial and why loyalty might be costing you thousands.
Refinancing Isn't Just About the Rate — It's About Your Options
Most people only refinance to lower their interest rate, but that is just the tip of the iceberg. Explore the strategic ways refinancing can completely restructure your financial life.
BIG NEWS: Mortgage Rates Are at Their Lowest Level in Years—What That Means for You
The moment buyers and homeowners have been waiting for is finally here. With rates hitting multi-year lows, here is exactly how to capitalize on this massive financial opportunity.
Mortgage Rates Jump After the Fed's Rate Cut — Here's Why
It seems counterintuitive, but mortgage rates often rise immediately after the Federal Reserve cuts its benchmark rate. We explain the complex mechanics behind this phenomenon.
Mortgage Rates Hold Near Yearly Lows as Market Awaits Next Data
With mortgage rates stabilizing at multi-month lows, buyers have a unique window of opportunity before the next major economic report drops.
Understanding U.S. Economic Impact on Mortgage Rates: A Homebuyer's Guide
From GDP to inflation and unemployment, discover how the broader U.S. economy directly dictates the interest rate on your home loan.
Transform Your Crypto Assets into a Homeownership Down Payment Solution
Sitting on significant cryptocurrency gains? Learn the strict rules and proper documentation required to legally use crypto for your mortgage down payment.
Gen Z and the Dream of Homeownership: Adapting to a Challenging Market
Despite high prices and rates, Gen Z is aggressively pursuing homeownership. Discover the creative strategies this generation is using to enter the housing market.
The Complete Home Buying Process: A Step-by-Step Guide for 2026
From getting pre-approved to receiving the keys, this comprehensive guide walks you through every stage of buying a home in today's market — including what to expect, what to avoid, and how to win in a competitive market.