Mortgage Refinance

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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Maximizing Your Appraisal

If you want to refinance your home and still take advantage of currently low interest rates, you’ll they have to get through a home appraisal, before landing a new 30-year fixed-rate mortgage. What do you do when the appraisal came back less than what you’re expecting, and too low to support the new loan? Low …

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How to Get Ahead of Community Tragedy

They say that into each life a little rain must fall. Unfortunately, looking at the headlines today literal AND metaphorical rain can get to some pretty catastrophic proportions. But as always, there’s hope! And it starts wtih each one of us being informed and involved before tragedy strikes. If you’re not as active within your …

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How to Calculate a Mortgage

If you’re shopping for a new home in California, you can calculate the home price you can pay and the mortgage schedule you will need based on the payment, down payment, taxes, and insurance you can afford. This calculation will provide an estimate of your house price range based on the monthly payment you can …

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Should You Refinance Your Mortgage, Just Because Rates Are Low?

How can you know when, and if, refinancing is right for you? Here are five questions you can ask yourself when trying to decide: What are the current interest rates? If you are a homeowner, and interest rates are down, you have probably at least considered refinancing your mortgage. There is an obvious relationship between …

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