First Time Home Buyer Tips

Family just bought home

A successful home purchase starts long before you sign on the dotted line. Preparations should start months or even years before you buy your first home. The more prepared you are, the better deal you’ll get. Before you buy a home, know the steps you can take to improve your chances of mortgage approval for a smoother experience. Check out … 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

Mortgage Rates For January 1, 2019

Happy New Year For 2019

From our family to years we wish you the very best for 2019. Markets are closed today and will re-open on Wednesday. There are no important economic reports on Wednesday however on Thursday we have the ADP National Employment Report for December, ISM New York Index for December, ISM Manufacturing PMI, ISM Manufacturing Prices Paid for December (an important piece when … Read more

Loan Fees, Costs And Points

Family at home

One of the biggest mistakes someone can make when shopping for a new mortgage loan is to just ask: “What’s the rate and are there any points?”. I think it’s almost a certain guarantee that you’ll end up paying more in costs and fees than if you simply asked a different question. Knowing what to ask a Loan Officer is … Read more

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

How Much House Can I Afford?

First Time Home Buyers

Trying to figure out how much house you can afford is a big part of the home buying process. To determine that you must have a clear picture of your income; debts, down payment and what level of monthly mortgage payment you think you might be comfortable with. All important factors when determining how much you can afford. Here is … Read more