Jodi Paul

Buying a House Without a Spouse

Getting married has several financial consequences; it can raise or lower your taxes. It can alter the types of retirement accounts you’re eligible for. It can affect your insurance rates. And yes, being married can also impact a mortgage. While there are many things to take into consideration when you purchase a home, you may …

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How to Qualify as a First-Time Home Buyer in California

Did you know that the definition of a first-time buyer isn’t restricted to people purchasing their very first home? According to the Department of Housing and Urban Development, it also includes the following: A person who has not owned a residence for at least 3 years. A single parent who previously co-owned a home while …

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The Difference Between APR and Mortgage Interest Rate

Considering taking on a mortgage can be confusing and overwhelming. There’s an endless amount of information and advice and weeding through it can be a monumental task. When you get a mortgage, you are charged two different rates—the annual percentage rate and the interest rate. Understanding the difference between the two rates is important and …

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How Home Loans Work in California

If you’ve thought about buying a house in the Golden State, you’re not alone. It’s a great place to live! You might wonder how to get a mortgage in California, so we’ve put together a list of what you should know about California home loans. Conventional Mortgage This is the most commonly used type and …

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