Home Ownership

What’s the Difference Between Pre-Qualification and Pre-Approval?

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 »

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 …

Buying a House Without a SpouseRead More »

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 …

How to Qualify as a First-Time Home Buyer in CaliforniaRead More »

Summertime Fireplace Maintenance Tips

Summertime in California is a great time to do deep-down house and yard cleaning: gardening, cleaning windows, outdoor paint touch-ups, etc. This is the time of year to get your house, yard, and outbuildings checked out for any wintertime damage, have those things repaired, and get them looking their best. One item that you never …

Summertime Fireplace Maintenance TipsRead More »

Maximizing Your Appraisal

If you want to refinance your home and still take advantage of currently low interest rates, you’ll they have to get through a home appraisal, before landing a new 30-year fixed-rate mortgage. What do you do when the appraisal came back less than what you’re expecting, and too low to support the new loan? Low …

Maximizing Your AppraisalRead More »

Why Buying a Home is Better than Renting

Owning your own home has distinct advantages over renting, especially when it comes to building your net worth and providing a stable environment for your family. If you’re struggling with whether to buy versus rent, consider these 10 reasons to take the plunge into homeownership: 1. You can ramp up energy efficiency. Energy-efficient improvements—from adding …

Why Buying a Home is Better than RentingRead More »

Scroll to Top