home mortgages

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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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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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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