Condo units are easier on the pocketbook than single-family residences. Condos offer home ownership at a fraction of the cost but like all real estate comes with different nuances. Here’s what you … [Read More…]
Are there really no houses available for home buying?
The median house price in Sonoma County recently hit $670,000. If you feel there is simply not enough inventory to choose from you may want to think again. Here is why… First … [Read More…]
How to balance a budget with a mortgage
Balancing a mortgage payment with other monthly liabilities in your life can be a balancing act. Here’s some tips to follow when trying to juggle liabilities, while still being able to … [Read More…]
Why you need to buy a house if you have access to cash
Buying a house is probably the largest financial transaction most people will ever take on. Following is why you need to consider purchasing a house if you have access to cash… Buying … [Read More…]
How a recast mortgage will benefit you as a consumer
Deciding which mortgage company to handle your financing can often be a tedious process requiring hours of time, comparing various rates, fees, terms experience and quality of the person that you’re working … [Read More…]
How to omit debt when applying for a mortgage
To successfully procure mortgage loan financing you must have an equal blend of cash, credit and income. This blend of cash credit and income, also involves the examination of your ongoing reoccurring … [Read More…]
The only 5 guaranteed ways to boost borrowing power
Interest rates are on the rise and the cost of funds is now hovering just below 5% on the average 30-year fixed-rate mortgage. Following are tried and true techniques you can use … [Read More…]
How mortgage borrowers can hurt their chances for obtaining credit
Avoid these common credit blunders when applying for home loan The mortgage industry relies on accurate credit reporting to make credit decisions when granting people home mortgages. Here’s some of the things … [Read More…]
The new Sonoma County housing and mortgage rate market
The Sonoma County real estate market has changed considerably in the last few years. If you’re going to be purchasing or refinancing a house here is what you need to know… The … [Read More…]
How you skip a payment when you refinance
Refinancing your house is a big decision and requires careful consideration of the mortgage loan program, interest rate, fees and more importantly the longer-term financial goals. Here’s what really happens when you … [Read More…]
10 tried and true ways you could hurt your home loan
Getting a mortgage is not an effortless process, it is just not. The loan process today is an extremely compliant and very bureaucratic process that requires proof of one’s ability to repay … [Read More…]
Did you know the credit score you need to get a mortgage is less than 600?
The credit score to get a mortgage to buy a house is a lot less than you think. Here’s what the magic credit score is and what options you have available if … [Read More…]
Is waiting to apply for a mortgage after taxes the right move?
During this time of year, it’s customary for borrowers to feel the need to apply for a mortgage after they file their tax returns. Unfortunately, this is more of an emotional desire … [Read More…]
Here is an easy way to save thousands in mortgage interest expense without refinancing
If you hate your mortgage as much as everyone else does, this article is for you. One of the things people hate about home mortgages is the amount of interest they pay … [Read More…]
New tax bill 2018- why people should refinance their equity lines and second mortgages
The new 2017 tax plan is spelling unwelcome news for mortgage borrowers who hold home equity lines of credit. Here is what to know if you have a home equity line of … [Read More…]
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