California Real Estate

Renting or Buying: Do What’s Right for You

For many Americans, purchasing a home was a measure of financial success for decades. After the subprime mortgage crisis, people realized buying isn’t always smart but now it seems like we’re taking it to the other extreme. You need to understand the reasons for both to make the proper decision. Normal buying pros: You eliminate …

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Millennials and their Home Buying Expectations

Totaling more than 80 million individuals, millennials represent the largest generation in the U.S. By 2025, they will claim three-quarters of all jobs. Also considered the best educated, 35% of 25 to 29-year-olds hold a degree, while at the same time carry some of the highest debt levels due to student loans and credit card …

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How to Become a Homeowner in California

If you’ve ever wanted to buy a house in the Golden State, you’ll need to go through a lot of steps. In this article, we provide an overview of how to become a homeowner in California. Budget You need to know exactly how much home you can afford before you begin your home search. The …

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How do the Best Mortgage Lenders in California Handle Bad Credit?

Most people believe they are ineligible for a loan when they have poor credit. This isn’t true at all. There are programs that work with lenders to assist in providing a home to those whose credit needs some work. In this article, we’ll look at the two main programs the best mortgage lenders in Texas …

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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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