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Blog

How assumable mortgage loans work

December 11, 2022 by Scott Sheldon

How assumable mortgage loans work

If you’ve been thinking about buying a home and have been discouraged about interest rates you might be able to assume the seller’s mortgage. Think it’s too good to be true? It’s … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, cash out refinance, conventional mortgages, FHA Loans, mortgage comparison shopping, Santa Rosa mortgages, sonoma county refinancing

New Mortgage Loan Limits for 2023

December 4, 2022 by Scott Sheldon

How to avoid getting a jumbo loan due to Coronavirus

The Federal Housing Finance Agency announced on Tuesday, November 29th the new loan limits for 2023. The new conforming loan limit has increased and has been year over year 7 years in … [Read More…]

Filed Under: Interest Rates, Jumbo Loans, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice Tagged With: buying a house, buying your first home, cash out refinance, Credit Markets, Harp 2 Refinance Program, mortgage rate quote, Santa Rosa mortgage, Santa Rosa mortgages, shopping mortgage rates

How to buy a home 2-1 and 3-2-1 Buydown Program

November 27, 2022 by Scott Sheldon

How 2-1 and 3-2-1 Buydown works when buying a home

If you’re thinking about purchasing a home and you’re worried about the mortgage payment. Fear not, some, but not all mortgage companies might offer a buy-down program allowing you to get a … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, conventional mortgages, home buying, home loan refinance, how to buy sonoma county real estate, mortgage rate quote, qualifying for a mortgage, sonoma county home buying, SONOMA COUNTY LOANS, sonoma county refinancing

How a future recession may impact your plan to buy a home

November 20, 2022 by Scott Sheldon

how a recession could impact your home buying

If you’ve been thinking about purchasing a home and you’ve been on the fence because of economic conditions. The following information could assist you in helping to determine when and/or if you … [Read More…]

Filed Under: Uncategorized Tagged With: buying a home, buying a house, conventional mortgages, home buying in Sonoma County, home loan refinance, mortgage comparison shopping, preapproval to buy a home, qualifying for a mortgage, Santa Rosa mortgage, Santa Rosa mortgages, sonoma county home buying

Is the mortgage rate or the purchase price you pay for a home more important?

November 13, 2022 by Scott Sheldon

purchase or rate to buy a home

If you’ve been thinking about purchasing a home and you’ve been on the fence because you’re just not sure about the right time, the information that’s going to follow is for you… … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, conventional mortgages, FHA Loans, home buying, how to buy sonoma county real estate, Low Rates, mortgage comparison shopping, mortgage lender

Why are current mortgage rates so high?

November 6, 2022 by Scott Sheldon

Why are current mortgage rates so high?

People who are thinking about getting a mortgage to buy or refinance a home are having shell shock relating to the costs associated with doing a mortgage transaction. It’s not as simple … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, Buyer risk, buying a house, buying your first home, Current market, first time buyer, home buying, how to buy sonoma county real estate, mortgage comparison shopping, preapproval to buy a home

5 reasons you’re not ready to buy a home

October 30, 2022 by Scott Sheldon

5 reasons you're not ready to buy a home

Buying a home is considered to be the American dream. Buying a home however is also not for everyone as it requires careful consideration of planning, a little bit of success, and … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, cash out refinance, mortgage comparison shopping, Santa Rosa mortgage, sonoma county home buying

Should you refinance to become more lendable?

October 16, 2022 by sonomacountym

Should you refinance to become more lendable?

Most families who own homes generally don’t want to refinance unless they can lower their interest rate, pay off debt, consolidate obligations, and/or fix up their homes. Those are all tangible benefits … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, CA home buying, cash out refinance, home loan refinance, Low Rates, mortgage comparison shopping

Does waiting for the right time to buy a home make economic sense?

October 9, 2022 by Scott Sheldon

does waiting for the right time to buy a home make economic sense?

If you’ve been thinking about whether you should purchase a home, you might want to think about applying with a lender. This helps to get a read on where you are financial … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, cash out refinance, conventional mortgages, FHA Loans, home buying, home buying in Sonoma County

Should you buy a house in this real estate market?

October 3, 2022 by Scott Sheldon

Should you buy a house in this real estate market

For many, the idea of buying a home is the American dream. The home purchase needs to be within your monthly budget. Here are things to consider in today’s present real estate … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, buying your first home, CA home buying, cash out refinance, conventional mortgages, FHA Loans, Low Rates, SONOMA COUNTY LOANS

2023 Confirming Loan Limit Rise

September 25, 2022 by Scott Sheldon

2023 Confirming Loan Limit Rise

The federal housing finance agency recently released its 2023 conforming loan limit. The new loan limit for 2023 is $715,000. Here is what this means if you’re purchasing or refinancing a home… … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying your first home, cash out refinance, conventional loans, conventional mortgages, Federal reserve, freddie mac, freddie mae, loan limits, Low Rates, mortgage comparison shopping, sonoma county home buying

Ways to handle a mortgage payment when buying a home

September 11, 2022 by sonomacountym

Ways to handle a mortgage payment when buying a home

Consumers who are preapproved and looking to buy a home are sometimes getting shell shock as relates to the mortgage payment. The rate, the purchase price, and the cash-to-close may change the … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a home, buying a house, buying your first home, cash out refinance, conventional mortgages, FHA Loans, Low Rates, mortgage comparison shopping, preapproval to buy a home

Should you take out an adjustable rate mortgage?

September 4, 2022 by Scott Sheldon

Should you take an adjustable rate mortgage

With interest rates as high as they are consumers want adjustable-rate mortgages for payment relief. If you’re thinking about an adjustable-rate mortgage versus a fixed-rate mortgage here are some things, you need … [Read More…]

Filed Under: Uncategorized Tagged With: Adjustable rate mortgage, ARM loan, buying a house, buying your first home, CA home buying, conventional loans, FHA mortgage, home buying, mortgage comparison shopping, sonoma county home buying

Should you cash out refinance or get a home equity line of credit?

August 28, 2022 by Scott Sheldon

Should you cash out refinance or get a home equity line of credit?

Inflation is hitting consumers right and left. Seems like everything is going up these days and one of the most expensive types of debt has just got even more expensive- consumer loans. … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, buying a house, cash out refi, conventional mortgages, debt consolidation, home equity, Home equity line of credit, home loan refinance, how to buy sonoma county real estate, lines of credit, money saving, mortgage rate quote

What are the risks of buying a home?

August 24, 2022 by Scott Sheldon

What are the financial risks in buying a home today?

When you’re buying a home, you should be thinking about not just the purchase price of the house, but you should be really thinking about your household budget. Saving money and being … [Read More…]

Filed Under: Uncategorized Tagged With: BAD CREDIT MORTGAGE, banks and credit unions, buying a house, buying your first home, conventional mortgages, FHA Loans, how to buy sonoma county real estate, Low Rates, mortgage comparison shopping, mortgage lender, SONOMA COUNTY LOANS

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2455 Bennett Valley Road C107
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