A 1031 tax-deferred exchange is a deferred exchange in the gain of an investment property used to acquire another investment property. Make no mistake this is a deferment where you’re kicking the … [Read More…]
How to transfer property to family and still be protected under Prop 13
Proposition 13 was enacted in 1978 by voters to limit the amount of property-taxes the homeowner pays. Prop 13 protect your property taxes from increasing by more than 2% per year. It … [Read More…]
Why your mortgage payment keeps changing
Why your mortgage payment keeps changing. Consumers are often given little explanation by their bank on why their payments are due to a different company. When you take out a mortgage here’s … [Read More…]
Mortgage inquiry make your credit score drop? Not so fast….
Mortgage loan officers hear daily from consumers they don’t want their credit score pulled because they’re worried about their credit score dropping. Unfortunately, the internet is full of information providing an over abundance of … [Read More…]
How much of your income should go towards a mortgage payment?
One of the challenges home buyers face when purchasing a house for the first time is of their income should go towards a mortgage payment. This number varies greatly and just because … [Read More…]
5 credit mistakes to avoid when getting a mortgage
You need to be on top of your game when getting a home loan. Your credit score is an integral part of being able to purchase a house or refinance a house. … [Read More…]
What to look for in a mortgage lender when buying a home
Contrary to widespread belief not all mortgage companies work the same. Buying a house is generally thought of as the most important financial transaction of your life and as such should be … [Read More…]
These little lending nuances may help you land a mortgage
Getting a mortgage in 2018 there is a bureaucratic and compliant process with a significant amount of paperwork involved. Following is some tips on various loan programs available in the marketplace you … [Read More…]
6 people whose mortgage and housing advice ought to be taken with a grain of salt
6 people whose mortgage and housing advice ought to be taken with a grain of salt Buying a home or refinancing a mortgage is incredibly important financial decision that requires careful planning … [Read More…]
Why the house that needs work should not be overlooked
If you’re purchasing a house whether it’s a primary home move up home or secondary home and the house needs work, don’t shy away from that. Here’s what you might want to … [Read More…]
What you need to know about private mortgage insurance
If you’re purchasing or refinancing a house with less than 20% Equity. You’re going to be subject to having PMI. Here’s what you need to know regarding private mortgage insurance with regards … [Read More…]
Watch out for these two sneaky mortgage practices
It’s no surprise the housing market has tight inventory and mortgage rates are on the rise. As the overall market continues to contract banks are coming up with innovative ways to elicit … [Read More…]
3 things you will never hear from a big internet mortgage lender
Working with an internet lender may or may not be in your best interests. Whoever you hire to help you with mortgage loan financing should be well-versed and experienced in mortgage financing. … [Read More…]
Loan programs to look at with little or no down payment
Looking to buy a primary home or maybe a move up home, but don’t have any cash? Following are some programs they could be available to you to help you purchase a … [Read More…]
The percentage down to purchase a rental property might less than you think
To purchase a rental property the consensus down payment needed 20%. However, the requirement to purchase a rental property is much lower than you think. Here’s what you need to know if … [Read More…]
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