Having A Clear Picture: 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 payment you think you might be comfortable with are all important factors when determining how much house you … Read more
Credit Problems: Do you happen to have “less than perfect credit” or “bad credit”? There are many homeowner’s or potential homeowner’s that don’t have great credit and locating a new mortgage might seem impossible. Just because you have less than perfect or bad credit does not mean you can not obtain a new mortgage. There are many loan programs available … Read more
The Simple Fact: Have you ever asked a family member, friend or even a realtor this question? 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 in the mortgage industry: no … Read more
First Step To Take – Your Current Loan: As far as a process to determine if now is a good time to refinance; here is how I suggest a homeowner determine if it’s a good time to refinance. When a homeowners consider a refinance they first should clearly understand their current rate/term before doing anything else. Second; try and locate … Read more
Post Election: Generally speaking; yes they are (as we head into summer)! Back in the Summer/Fall of 2016 mortgage rates were super low heading into the election. Post election they jumped fairly significantly and kept moving up as we started 2017. For another month or two rates remained elevated however since the beginning of Spring mortgage rates have generally improved. … Read more
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
Everyone Is Asking: As mortgage rates move back down everyone is asking; “What is a good mortgage rate for 2017?”. The bond market has returned to 2016 levels so lenders have started to be more aggressive with how they price out their various mortgage loan programs. But let’s start with the basics before determining what is a good mortgage rate for 2017. … Read more