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Overcoming the Down Payment Barrier: A Guide for First-Time Homebuyers
As a loan officer, I see one of the common barriers faced by first-time homebuyers is the misconception surrounding down ...
Mortgage Brokers: The Better Option for Homebuyers
When it comes to purchasing a home, there are crucial decisions to be made, and one of the most significant ...
5 Reasons Why Good Credit is So Important
When it comes to financial goals, building good credit might not be the first thing on your mind. But let ...
Mortgage Market News
Uncertainty surrounding the debt ceiling caused volatility in the markets, while inflation was hotter than expected in April. Tight supply ...
Property Tax and Understanding Prop 19 Rules in California: What Property Owners Need to Know
Proposition 19, or Prop 19 for short, is a new law that has been introduced in California. It has been ...
Mello-Roos. What is it and what should I know about it as a homebuyer?
Mello-Roos is a special tax that is used to fund infrastructure and services in new developments in California. When a ...
How to Cancel Mortgage Insurance
As a homeowner, one of the biggest expenses you might have to deal with is mortgage insurance. Mortgage insurance is ...
7 Compelling Benefits of Homeownership for First-Time Buyers
Purchasing a home is a big decision, and as a first-time homebuyer, you may be wondering whether it's the right ...
VA Home Loans in San Diego County: A Comprehensive Guide
If you're a veteran or active-duty military member looking to purchase a home in San Diego County, you may want ...
House Hacking: What is it? Is it for me?
House hacking is a strategy for investing in real estate that involves generating income from your home, while you live ...
Non-Qualified Mortgages: The Good, The Bad and The Ugly
What is a non-qualified mortgage (non-QM)? This is a home loan that is not required to meet agency standard documentation ...
Top 10 Questions to Ask Your Lender
Working with a lender, when done right, is the beginning of a life long relationship. Your personal story has to ...
Mortgage Rates Continue to Drift Down
Mortgage Rates continue to come down as we head into the last week of 2022. This trend will begin to ...
Assumable Mortgages: What to Know
What is an assumable mortgage? An assumable mortgage is a type of financing arrangement whereby an outstanding mortgage and its terms ...
My credit identity has just been stolen…What to do: NOW!
Don’t Panic: Unfortunately, this is too common of a practice. Your have rights, protection and you can regain your credit ...
There is an Opportunity Brewing in the Housing Market
Last year, the real estate market was so hot that many buyers had to pay over asking price and struggled ...
The Fed’s strategy: the basics
Wait… doesn’t raising rates mean higher prices, and worse inflation? Let me explain. In the most basic sense, inflation is ...
What is the Fed doing?
One of the questions that I have been continually asked most recently, has been, “doesn’t raising rates mean higher prices, ...
Truth About Rates
Advertised rates vs. what you may receive. Rates are based on credit, loan to value, property type, market conditions and ...