Golden State Mortgage Blog

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 »

Closing Costs 101

Closing costs are expenses over and above the price of the property in real estate transactions. They are basically a collection of administrative fees. Closing costs can include: Loan origination fees Discount points Appraisal fees Title searches Title insurance Surveys Taxes Deed-recording fees Credit report charges Before you sign your loan documents, you should have seen

Read More »

How to Survive Buying a House¶

Preparation¶ You’ll probably start entertaining the idea of looking for a home years before you’re totally financially prepared. It can be daunting, but it will give you a better idea of what you want, like a master suite, basement, or garage apartment. Using online mortgage calculators you’ll also be able to get a rough idea

Read More »

The Best Home Improvements to Add Value to Your Home

Many home improvement projects don’t add value to your home, especially in a down market. In fact, some improvements can even detract from the asking price when you decide to sell. On the other hand, some projects can add significant value to your home. So which home improvement projects should you invest in, and which

Read More »

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,

Read More »