Who Has The Lowest Mortgage Rates?

Home Interest Rate

Have you ever asked a family member, friend or even a realtor this question – who has the lowest mortgage rates in California? I would guess most home buyers or homeowners looking to refinance their mortgage have at one point in time or another asked someone “Who has the lowest mortgage rates in California?” Here is a simple fact of life … Read more

California refinance summer 2017

A Brown Home

It’s summer 2017 and we’re seeing some of the best mortgage rates this year.  Do you live in California and are you looking to refinance your current mortgage? Heading into the summer mortgage rates have been very attractive compared to the first three months of 2017.  As you may remember mortgage rates really moved higher in the fall/winter of 2016 … Read more

FHA Mortgage Rates In California

Home Green

Through various mortgage lenders the Federal Housing Administration (FHA) offers low FHA mortgage rates in California for those with less than perfect credit and/or those with loan down payments. Before the 2008 mortgage crisis FHA mortgages in California were a small percentage of the market. Currently FHA is a major player as homeowners and home buyers look for alternatives to … Read more

Getting A Mortgage In California

Home in California

Here are the simple steps to getting a mortgage in California. If you’re new to the process you’ll want to obtain a basic understanding of what a mortgage is (see below). Find a good mortgage company and an experienced Loan Officer. Ask the right questions. Gather your documents. Obtain your mortgage approval. Close your mortgage. Following these simple steps will … Read more

Refinance My Mortgage In California

Family Home

If current mortgage rates are lower than what you already have, then you’ll probably want to look into refinancing. Where do you begin? What is the first step to refinancing your current mortgage?  There are so many things associated with a mortgage transaction: fixed rate mortgages, adjustable rate mortgages, points, costs, appraisal and the list goes on for things you need to … Read more

California Mortgage Rate Reset

Spanish home in California

Is your California mortgage rate about to reset after a 5, 7 or 10 year fixed rate period?  If so don’t worry; thousands of Californians are in the same situation every year.  Adjustable rate mortgages are a mortgage product in which the rate adjusts or “resets” after a fixed period time.  That’s different from a fixed rate mortgage which has a … Read more