Home Ownership

Hazard Insurance and Insurance Riders

Trying to be prepared for every contingency is part of being a responsible homeowner. Dealing with the associated legal and medical problems out-of-pocket is nightmarish, so you’ll have peace of mind in paying for extra hazard insurance. Studies have proven the home is the number one place where accidents occur, and both homeowners insurance and …

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What’s the Difference? Private Mortgage Insurance vs Homeowner’s Insurance vs Mortgage Protection Insurance

  Private Mortgage Insurance (PMI) Private mortgage insurance protects your mortgage lender in the event you default on your loan. Many lenders will require high risk buyers to carry private mortgage insurance to protect what is their investment too. Generally, it’s required if you have a conventional loan and make a down payment of less …

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Regular Home Maintenance Checklist

As a new homeowner, it can seem intimidating or totally overwhelming keeping up with the tasks required of home ownership. Fortunately, most of this list of tasks can be completed on your own without much experience. Without further ado, here’s your regular home maintenance checklist: MONTHLY Inspect, and possibly change out HVAC filters Experts will …

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Energy Improvement Projects

According to energy experts, roughly 35 percent of heating and cooling is lost through your roof. Even more can escape through the walls, windows, doors, and from air leaks. Make your home energy-efficient with the basics, and the most important is the proper sealing of air leaks and insulating sufficiently for the weather in your …

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Are you financially ready to buy a house?

A home is likely the single largest investment you will make in your lifetime. It has enormous potential to build up your wealth over time. But did you know that even in a relatively unpredictable market, you can purchase a home? If you adjust your thinking and your vision, you can almost always buy something …

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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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Hidden Costs of Home Ownership

To determine what they can afford, buyers too often focus on mortgage payment or a home’s list price alone. Non-mortgage related costs associated with homeownership can affect the monthly bottom line, if you’re not prepared. Let’s take a look at some of the hidden costs of home ownership. Property taxes If you’re only plugging in …

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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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Non-Conforming Home Loans in California

A residential mortgage that does not conform to the loan purchasing guidelines set by the Federal National Mortgage Association and Federal Home Loan Mortgage Corporation is called a non-conforming loan. The significant difference between a conforming and a nonconforming loan is the loan’s limits. Non-conforming loans in California or jumbo loans have higher limits, and …

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