If you’re purchasing or refinancing a house the 30-year fixed-rate mortgage was and is currently the staple of the broader mortgage market. The 30-year mortgage has its pros and cons and here … [Read More…]
What to know when co-signing on someone else’s mortgage
Co-signing is a way to help a family member or a friend get approved for credit. When you co-sign on someone else’s mortgage you are effectively lending a portion of your credit … [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…]
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…]
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…]
What you need to know when paying off debt to buy a home
Here’s what you need to know if you’re trying to pay off debt before buying a home Paying off debt to buy house can absolutely be beneficial. Debt cripples a would-be home … [Read More…]
How your mortgage fees are accounted for when refinancing
When you refinance your mortgage, someone is on the hook for paying fees. Who Following are the only ways loan fees can be accounted for when refinancing…. When you refinance your home … [Read More…]
The new way to buy a house in Sonoma county
The recent fire disasters have created housing demand not seen in Sonoma County in many years. Prior to the fires, strong competition, coupled with limited supply best described the local market. Now … [Read More…]
Why Sonoma County Housing Prices will continue to rise
Sonoma county housing was already limited prior to the Tubs and Nuns fires. This year has shown a scenario more reflective of large demand with little supply. This economic shift has created … [Read More…]
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