Right around mid-December of last year (2017), we wrote about the Federal Reserve raising the benchmark federal rate from 1.25% to 1.5%. This increase was in response to a growing economy and the then-upcoming tax
When qualifying for a loan, it helps to use as much of your income as possible. If you’re retired, this creates challenges, as you likely receive limited incomes from multiple sources, such as a 401(k),
Trying to come up with a home budget is extremely difficult, and it can leave many upcoming buyers frustrated and confused. How much is too much? Is there a bottom-level that we should be aiming
If you are retired and need a new home, approval for a mortgage can be difficult. You no longer have a regular income from work, and the income you do receive comes from a wide
There is exciting news coming from Freddie Mac! With new guidelines related to loans for condominiums, the mortgage company is making it easier than ever to purchase a comfortable, convenient condo. These changes impact many
If you rent a room to a tenant, you may be able to use their monthly rent checks as qualification for your next home loan. Assuming you can demonstrate that they have lived with you
We have some exciting news to share with you! Starting November 1st, 2018, we will be offering bank-statement loans with only 10% down up to $3 million. To make this opportunity even more exciting, real
Updated December 6, 2023 Investing in rental property is one of the most reliable and profitable investments you make. Of course, it’s never a sure thing (nothing in investments ever is), and you can certainly
If you want to purchase a single parcel of land, the process is fairly simple. There is a clearly-defined, well-understood system for purchasing a single piece of property. Whether that property is for personal use,
Sometimes it seems like becoming a homeowner is an impossible journey. There are many blockades, but one of the largest is the need for a down payment. While there are options for purchasing a home
Having multiple debts, including car loans, student loans, credit cards, and personal loans can create significant challenges to your finances, complicating your budgets and making it difficult to stay organized. In most cases, it would
Chad Baker
Originating Branch Manager
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858-353-8331
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