Becoming a homeowner in California is one of the most exciting and potentially stressful things you can do. There’s a lot to learn and a lot to do, which can leave quite a bit of room for mistakes. The home buying process is an emotional experience that is personal for each buyer. Just remember that […]
Avoid These Home Buying Mistakes Read More »
Whether you’re a first-time home buyer in California, or are an empty nester ready to downsize, you’ll need to complete a lot of steps before you consider talking with a lender. There are many things you’ll need to do to get ready to buy a home. It can be overwhelming. It might sometimes feel like
What You Need When Applying for a Home Loan Read More »
Many home improvement projects don’t add value to your home, especially in a down market. In fact, some improvements can even detract from the asking price when you decide to sell. On the other hand, some projects can add significant value to your home. So which home improvement projects should you invest in, and which
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Unfortunately, without proper preparation, many buyers get lulled into the mistaken notion that if a lender pre-qualifies them for a mortgage, it means that they have been pre-approved for the home loan. There’s a world of difference between these two terms. If you’ve ever been confused by the two, this will explain how they differ,
What’s the Difference Between Pre-Qualification and Pre-Approval? Read More »
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
Buying a House Without a Spouse Read More »
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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While there are additional factors that come into play when pricing a home, such as time of year, supply and demand, and market fluctuations, the right price is ultimately the maximum amount that a buyer is willing to pay. It’s important for sellers to keep emotion out of the process, which can be understandably difficult.
Price a Home to Sell Read More »
What’s better, renting or buying? There’s no universally correct answer to this question, but one option may be a much better choice for you. For some, homeownership was a no-brainer. Here are the top reasons to think about when buying a home, and how to determine whether or not you may be ready to buy
Bought the House. Now What? Read More »
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
The Difference Between APR and Mortgage Interest Rate Read More »
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
How Home Loans Work in California Read More »
