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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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 …

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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 …

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How to Qualify as a First-Time Home Buyer in California

Did you know that the definition of a first-time buyer isn’t restricted to people purchasing their very first home? According to the Department of Housing and Urban Development, it also includes the following: A person who has not owned a residence for at least 3 years. A single parent who previously co-owned a home while …

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How Home Loans Work in California

If you’ve thought about buying a house in the Golden State, you’re not alone. It’s a great place to live! You might wonder how to get a mortgage in California, so we’ve put together a list of what you should know about California home loans. Conventional Mortgage This is the most commonly used type and …

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When Should I Buy a House in California?

It is most Californians’ dream to one day own their own home in California. However, if you buy before you are ready, your home can quickly drag you down and make you house poor, meaning you owe more on your property than what its estimated worth is. You want to buy a home. Eventually. But …

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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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