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…]
Why the credit score you think you have might not be correct for a mortgage
Consumers thinking about getting a mortgage should know where they stand. Here is what you might not know about your credit score when it comes to applying for a mortgage. The truth … [Read More…]
2 things to watch for buying a house in 2018
This local county housing market continues to evolve and show strong signs of growth and appreciation. Here is what you need to know if you are going to be buying a house … [Read More…]
How the new tax plan may affect Sonoma County home buyers
On December 22, 2017 president trump signed into law the new tax plan changing the tax deduction of home ownership. Here’s what this means for you and your home buying efforts in … [Read More…]
These mortgage scenarios will almost always mean paying discount points
Discount point are nothing more than upfront head you pay to purchase a lower interest rate and subsequently a lower monthly payment. In some case the you may not have a choice … [Read More…]
How your mortgage payment changes per every $100,000 in purchase price
One of the questions home buyers have when house hunting is the relationship between their monthly mortgage payment and how much purchase price they are looking to take on. Here’s what you … [Read More…]
FHFA Increases 2018 Sonoma County Loan Limits
The Federal Housing Finance Agency just released the new 2018 national loan limits. These loan limits provide increases in most counties throughout the United States. Here’s how the changes will benefit you … [Read More…]
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