Kevin O'Connor

Cash Out Refinance In California

Kitchen Remodel

Completing a cash out refinance in California can provide the necessary funds to improve the value of your home or the cash out funds might be used to payoff high interest credit debt or maybe it will enable you to purchase an additional property. What ever your reason is it’s important to know the ins and outs of a cash … Read more

Mortgage Pre-Approval In California

Homeowner

To obtain a mortgage pre-approval in California you must apply with a mortgage company that offers mortgage loans in the state of CA. You’ll have various options to chose from including Conventional, FHA and Jumbo loan programs with fixed and adjustable rates. Usually a pre-approval can be completed within 24 hours. The steps to obtaining a pre-approval are fairly straightforward. … Read more

What Do I Need To Qualify-FHA

First Home

The FHA home loan program is one of the most popular loan programs in California. If you have a credit score above 620, a 3.5% down payment (which can be gifted), and a job with steady income you might qualify for a FHA loan. Some qualify with below a 620 credit score. The FHA home loan program is the loan … Read more

FHA Mortgage Insurance

FHA Mortgage Insurance Premium

FHA Mortgage Insurance (MI) is an insurance policy the homeowner pays in case of default. There are two forms; the first is a one time upfront amount at the time of closing and the second is a monthly amount that is attached to your mortgage payment each month. MI is apart of every FHA home loan issued. MIP is one … Read more

Home Inspection

Home Inspection

Buying a home is one of the most exciting, yet stressful, times in someone’s life. Many would-be homeowners would prefer to be thinking about paint colors, flooring options and drawing up plans for a big kitchen remodel. But before all that can happen, before you actually own the house you have to do something that is essential to buying a … Read more