California real estate

Don’t Assume You Can’t Afford to Buy a Home in California

You too can buy a house, even in a relatively unpredictable market. Talking with first time homebuyers in California, they often say their reasons for why they haven’t chosen ownership over renting. Some common themes always emerge, which we discuss below. I don’t have a 20% down payment! Most people assume that you need 20% …

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Buying More Rentals vs Paying Down Mortgage

Frequently you hear that buying a home in California is a good investment. Taking it a step further, purchasing multiple houses as rental properties can also be a great way to increase your assets and make money. However, be aware of some basic differences between buying a property as your home and purchasing properties to …

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How to Calculate a Mortgage

If you’re shopping for a new home in California, you can calculate the home price you can pay and the mortgage schedule you will need based on the payment, down payment, taxes, and insurance you can afford. This calculation will provide an estimate of your house price range based on the monthly payment you can …

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What is a Jumbo Mortgage?

A jumbo mortgage, as the name implies, is a loan that exceeds the conforming loan limits established by the Federal Housing Finance Agency. For most areas of the country, the current conforming loan limit is $417,000 for a single-family home. For higher priced markets such as San Francisco and Los Angeles, the maximum conforming limit …

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How Millennials Can Afford to Live in Southern California

Millennials, the generation born between 1980 and 2000, are now twenty and thirty-somethings, and they are starting to take over. They are the social media generation, the multi-tasking, hashtagging generation, often stereotyped as having a short attention span and a large sense of entitlement. That’s not all there is to millennials though. They are also …

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Borrowers Are Taking Advantage of Historically Low Mortgages Rates

Mortgage rates are reaching historic lows, and as one might expect, borrowers are taking note. Whether it’s existing homeowners making the most of the dip in rates to refinance or upgrade to something bigger, first-time buyers just entering the market, or luxury homebuyers and developers, Californians are taking advantage of these low mortgage rates while …

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