Everything California

FHA Mortgage Rates In California

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FHA Has Fixed and Adjustable Rate Mortgages: Through various mortgage companies the Federal Housing Administration (FHA) offers low mortgage rates 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 buyers look … Read more

Getting A Mortgage In California

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The Process: Are you looking to refinance your current mortgage or are you looking to buy a new home in California? Getting a mortgage in California doesn’t have to be hard and if you’re prepared the process can be fairly simple and straightforward. We work with clients all throughout California, and those wishing to move to California, can look to … Read more

Refinance My Mortgage In California

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Where To Begin: 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 … Read more

California Mortgage Rate Reset

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Rate Adjustment: 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 … Read more

California Refinance Rates For Homeowners

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California Refinance Rates: Refinance rates are relatively low compared to historical norms. As of January 1st, 2019 30 year fixed rates are between 4.125% – 4.625% (depending on the lender, loan structure and loan program).  Refinance rates continue to be near their recent lows as the bond market improves heading into 2019..  Californians seeking a low home loan rate should … Read more