Golden State Mortgage Blog

Top 10 Things You Should Know About Your Credit

How do you build credit? Focus on the five fundamentals that determine your credit score: payment history, credit utilization, length of credit history, new credit, and credit mix. A general rule is to use credit sparingly and make payments on time. It takes years to build good credit, but it’s worthwhile to be patient. Is

Read More »

Avoid These Home Buying Mistakes

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

Read More »

What You Need When Applying for a Home Loan

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

Read More »

Buying a Home? You’ll Need Insurance.

It’s overwhelming to think about the numerous types of insurance available during the home buying process. You already have so much to do between packing, scheduling movers, and closing on your home. Do you really have to jump through more hoops? Unfortunately, yes. No sensible car owner would drive without insurance, so it figures that

Read More »

Are You Prepared for Disaster?

No one wants them to happen, but disasters can occur anywhere at any time—especially during hurricane season and wildfire season. To endure an already stressful situation a little more easily, you should prepare not only an emergency kit, but also an evacuation plan for your family. No matter whether you need to evacuate or shelter

Read More »