Jumbo Loans Archives - Sonoma County Mortgages https://sonomacountymortgages.com/category/jumbo-loans/ Tue, 17 Mar 2026 23:19:24 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://sonomacountymortgages.com/wp-content/uploads/2023/05/cropped-scm2-sonoma-cm-2-32x32.png Jumbo Loans Archives - Sonoma County Mortgages https://sonomacountymortgages.com/category/jumbo-loans/ 32 32 Why Housing Inventory Still Feels Tight—And What Interest Rates Have to Do With It https://sonomacountymortgages.com/2026/03/inventory-is-still-low-2026/ Wed, 25 Mar 2026 15:19:13 +0000 https://sonomacountymortgages.com/?p=519145 Infographic explaining why housing inventory remains tight, highlighting high demand, low supply, and homeowners holding onto low 2–3% mortgage rates, with insight into when more homes may enter the market as interest rates change.Let’s start with a simple but powerful scenario. A homeowner locked in a mortgage at 2.75% during the pandemic. Fast forward to today, and that same homeowner is now looking at interest rates closer to 6.5% on a 30-year fixed. Even if their life has changed—maybe they’ve grown their family or simply need more space—the…

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]]> Should You Pay Off Credit Cards Before Buying a Home? https://sonomacountymortgages.com/2026/03/pay-off-credit-cards-house/ Thu, 05 Mar 2026 18:18:55 +0000 https://sonomacountymortgages.com/?p=519128 Infographic titled “Should You Pay Off Credit Cards Before Buying a Home?” featuring credit cards, a debt checklist with calculator and coins, and a house with a for sale sign, highlighting debt-to-income impact, rising home prices, and negotiation opportunities with a “Wait or Buy Now?” sign.One of the most common objections home buyers provide is this: “I want to wait to get qualified because I need to pay off my credit cards first.” On the surface, that sounds financially responsible. Reduce debt. Strengthen finances. Then purchase a home. But there is a critical distinction that often gets overlooked: Is paying…

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]]> How to Use Child Support Income to Qualify for a Mortgage https://sonomacountymortgages.com/2025/10/child-support-mortgage-2/ Fri, 10 Oct 2025 14:08:10 +0000 https://sonomacountymortgages.com/?p=518998 Illustration of a parent holding a child and mortgage documents, symbolizing using child support income to qualify for a mortgage.For many homebuyers, every source of income matters when qualifying for a mortgage. If you receive child support, it can often be counted as qualifying income—helping you meet debt-to-income (DTI) guidelines and potentially increasing the loan amount you can afford. Understanding how lenders evaluate child support income will help you prepare the right documentation and…

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]]> VA Loans in Community Property States: How to Manage Spouse’s Credit and Debt in California https://sonomacountymortgages.com/2024/07/va-loans-community-property-ca/ Wed, 31 Jul 2024 15:40:10 +0000 https://sonomacountymortgages.com/?p=518295 VA Loans in Community Property States: How to Manage Spouse’s Credit and Debt in CaliforniaNavigating VA Loans in Community Property States: A Guide for Married Couples in Sonoma and Lake County, California Buying a home is a monumental step, and securing a VA loan can be a fantastic option for veterans looking to make that dream a reality. However, living in a community property state like California adds a…

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]]> New Mortgage Loan Limits for 2023 https://sonomacountymortgages.com/2022/12/loan-limits-for-2023/ Sun, 04 Dec 2022 18:00:43 +0000 https://sonomacountymortgages.com/?p=17512 How to avoid getting a jumbo loan due to CoronavirusThe 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 a row. If you’re thinking about purchasing or refinancing a home in 2023 here is what you need to know… The loan limit…

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]]> Why your income is your lifeline to finance a home https://sonomacountymortgages.com/2020/01/income-home-finance/ Thu, 23 Jan 2020 20:00:05 +0000 https://sonomacountymortgages.com/?p=16123 Mortgage Word Cloud ArtGetting mortgage loan financing requires you providing a blend of good cash, ample credit, and income to offset a proposed new expense i.e. a mortgage loan. You must have the right blend of all three in order to purchase or refinance a home. What might not make sense however is the lifeline that’s going to…

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]]> Can you get a mortgage with bad credit? https://sonomacountymortgages.com/2020/01/can-you-get-a-mortgage-bad-credit/ Thu, 09 Jan 2020 20:00:16 +0000 https://sonomacountymortgages.com/?p=16112 Can you get a mortgage with bad credit?Many mortgage companies along with the internet would have you believe getting a mortgage with bad credit cannot happen. It is true the process will be more difficult and challenging, but it is not impossible. If your desiring to refinance your property or buy a home with less than perfect credit the following information will…

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]]> Why the purchase price should not be the single most important factor https://sonomacountymortgages.com/2019/09/why-the-purchase-price-home/ Sun, 08 Sep 2019 17:00:12 +0000 https://sonomacountymortgages.com/?p=16014 Why the purchase price in a real estate transaction should not be the single most important factorWhen buying a home most would believe the number one most important thing you need to be focused on is what you pay for the house. Mom and dad who bought their house years ago, Grandma and Grandpa who bought their house back in the early 1980s when housing prices were $40,000 all have an…

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]]> How to remove private mortgage insurance https://sonomacountymortgages.com/2017/05/removing-private-mortgage-insurance/ Tue, 16 May 2017 19:36:06 +0000 https://sonomacountymortgages.com/?p=15254 why waiting for lower rates is a bad ideaThere is too much information circling around the internet, about how to remove mortgage insurance from your monthly mortgage payment. Unfortunately, it is not as simple as having 20% home equity either. Here is what you need to know about removing this dreaded housing cost. Is the loan insured by FHA or is the loan…

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]]> Why you cannot opt out of title insurance when getting a mortgage https://sonomacountymortgages.com/2017/04/title-insurance-mortgage/ Fri, 21 Apr 2017 23:58:04 +0000 https://sonomacountymortgages.com/?p=15238 why you cannot opt out of title insuranceIf you are like most consumers, you want to have a clear understanding of the fees associated with a mortgage. The closing process, lender fees, title fees, etc. This is so you know exactly how all the numbers add up. Here is something you need to know regarding getting title insurance when purchasing or refinancing…

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