Home Mortgages

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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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 …

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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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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, …

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Buying a House Without a Spouse

Getting married has several financial consequences; it can raise or lower your taxes. It can alter the types of retirement accounts you’re eligible for. It can affect your insurance rates. And yes, being married can also impact a mortgage. While there are many things to take into consideration when you purchase a home, you may …

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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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The Difference Between APR and Mortgage Interest Rate

Considering taking on a mortgage can be confusing and overwhelming. There’s an endless amount of information and advice and weeding through it can be a monumental task. When you get a mortgage, you are charged two different rates—the annual percentage rate and the interest rate. Understanding the difference between the two rates is important and …

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