Golden State Mortgage Blog

Do Online California Mortgage Loans Need a 20% Down Payment?

Purchasing a home in California is not an impulse buy. From appraisals and inspections to closing costs and down payments, it can take years to save the upfront cash required. However, thanks to low-down-payment loans now on the market, homeowners can have keys in hand to that home for sale with significantly less cash out

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How Mortgage Companies in California Calculate Your Mortgage Payment

Traditionally, you can typically afford a home in California priced two to three times your gross income. This means that if your household income is $100,000, you can typically afford a home between $200,000 and $300,000. However, this calculation isn’t the best method. Why? Because it doesn’t consider monthly expenses and debts. Those costs can make a

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California Home Mortgages

California Home Mortgage Loans

You can find quite a few types of California home mortgage loans. Understanding what’s available can help you review your options to get an idea of what options might work best for you and your family. Of course, Golden State Mortgage is happy to help you find the right home loan! In the meantime, why

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Best Mortgage Companies in California

Whether you’re a first-time home buyer or are a seasoned veteran, you’ve got so many choices when it comes to purchasing a house. Finding the best mortgage company to structure a loan for your individual lending needs can be a challenge. Should you work with a mortgage lender? A mortgage broker? Or should you use

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The Fed and Your Mortgage

This week, the Federal Reserve raised interest rates for the third time in 2018. This quarter-percentage rate increase brought the federal funds rate into the target range of 2 – 2.25 percent. The committee sets monetary policy, primarily by raising or lowering the Fed’s target for the federal funds rate, which is used as the

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