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<url><loc>https://www.iloanca.com/insights/heloc-vs-home-equity-loan-vs-cash-out-2026/</loc><video:video><video:thumbnail_loc>https://i.ytimg.com/vi/hZa6kwNY7us/hqdefault.jpg</video:thumbnail_loc><video:title>HELOC or Cash-Out Refinance? How to Keep Your Low Mortgage Rate (California)</video:title><video:description>Compares a cash-out refinance, a HELOC and a home equity loan, how lenders cap combined loan-to-value, and how to compare the blended cost.</video:description><video:player_loc>https://www.youtube.com/embed/hZa6kwNY7us</video:player_loc><video:duration>129</video:duration><video:publication_date>2026-11-13T12:00:00-08:00</video:publication_date><video:family_friendly>yes</video:family_friendly><video:live>no</video:live></video:video></url>
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<url><loc>https://www.iloanca.com/loan-programs/dscr/</loc><video:video><video:thumbnail_loc>https://i.ytimg.com/vi/AUCmXqXexYk/hqdefault.jpg</video:thumbnail_loc><video:title>What Is a DSCR Loan? Investor Mortgage on Rental Income (California)</video:title><video:description>How a DSCR loan qualifies on a rental property&#x27;s income instead of your personal income, the ratio math, typical requirements and tradeoffs.</video:description><video:player_loc>https://www.youtube.com/embed/AUCmXqXexYk</video:player_loc><video:duration>127</video:duration><video:publication_date>2026-11-13T12:00:00-08:00</video:publication_date><video:family_friendly>yes</video:family_friendly><video:live>no</video:live></video:video></url>
<url><loc>https://www.iloanca.com/loan-programs/jumbo/</loc><video:video><video:thumbnail_loc>https://i.ytimg.com/vi/MJc80Xuv-Ho/hqdefault.jpg</video:thumbnail_loc><video:title>What Is a Jumbo Loan? 2027 Limits and Requirements (California)</video:title><video:description>Where the jumbo line falls in California, typical credit, down payment and reserve requirements, appraisal rules on bigger loans, and staying under the limit.</video:description><video:player_loc>https://www.youtube.com/embed/MJc80Xuv-Ho</video:player_loc><video:duration>156</video:duration><video:publication_date>2026-11-13T12:00:00-08:00</video:publication_date><video:family_friendly>yes</video:family_friendly><video:live>no</video:live></video:video></url>
<url><loc>https://www.iloanca.com/insights/fha-loan-down-payment-california/</loc><video:video><video:thumbnail_loc>https://i.ytimg.com/vi/HX6jqTzWzyk/hqdefault.jpg</video:thumbnail_loc><video:title>FHA Loan Down Payment in California: How Much Do You Need?</video:title><video:description>What 3.5% down looks like, credit tiers, gift funds, closing costs, FHA mortgage insurance and when a conventional loan can cost less.</video:description><video:player_loc>https://www.youtube.com/embed/HX6jqTzWzyk</video:player_loc><video:duration>139</video:duration><video:publication_date>2026-11-13T12:00:00-08:00</video:publication_date><video:family_friendly>yes</video:family_friendly><video:live>no</video:live></video:video></url>
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