Buying a multiunit property, and either living in one of the units or renting out the entire property, has numerous advantages. However, there are many factors that you should consider before making a decision. This topic is so complex...
Think buying a second home is only a dream? Think having a vacation spot all to yourself, with no reservations and no per-night payments is only for the extremely well-to-do? Think again. According to the National Association of Realtors, 21% of...
Investing in condos can be enticing. When done right, it can also be rewarding and profitable. Condos have certain advantages to property investors. First of all, they are usually priced less than typical homes. This creates an entry point for...
“How’s The Real Estate Market In San Diego 92128?” You’ve probably either asked or heard this question before.  Just like the weather, every neighborhood in San Diego has its own unique real estate microclimate.  The purposes of our infographic to...
Have you ever wondered how mortgage lenders set their interest rates each day? Are you shopping for a mortgage and can’t seem to get your arms around how and when mortgage companies decide to change their rates? From the outside looking...
What is a Non-Qualified Mortgage (Non-QM) and how does it help Southern California homeowners? First, a brief history on what makes a mortgage loan product a "QM", or “Qualified Mortgage.” The Consumer Financial Protection Bureau (CFPB) is an independent agency...
Emery Financial is excited to announce a new mortgage product that is designed to help the owners of multiple (10+) investment properties. In addition to purchasing additional properties, this new product also allows investors to cash-out as well as restructure existing loans on the properties in order to improve cash flow.