Home Ownership

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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Reasons to Use the best Mortgage Brokers in California

When considering buying a home, most people require a mortgage to do so. Doing business with banks and lenders directly or hiring a mortgage broker. Finding a mortgage broker is a bit more difficult than it used to be but are still part of the mortgage marketplace. In this article, we’ll cover the reasons you …

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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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Buying a Home? You’ll Need Insurance.

It’s overwhelming to think about the numerous types of insurance available during the home buying process. You already have so much to do between packing, scheduling movers, and closing on your home. Do you really have to jump through more hoops? Unfortunately, yes. No sensible car owner would drive without insurance, so it figures that …

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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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