The home loan process can be a challenging experience for the self employed borrower looking to purchase or refinance a home. Much of the confusion can be attributed to the calculation and documentation of income that a mortgage bank...
HERO (Home Energy Retrofit Opportunity) is a program that is part of the statewide PACE (Property Assessed Clean Energy) effort. PACE was established in California in 2001 and was used as a blueprint for at least 30 other states....
Have you ever thought about adding a “granny flat” to your property? Perhaps you’ve got a parent who could live there and you could look after them while still giving the parent their own, private living quarters? But you...
Lenders determine affordability based upon a combination of factors including your gross monthly income, debt and current and future monthly payments to creditors. As that’s just one of the areas lenders evaluate it’s certainly one of the most important....
  Thinking of joining the condominium lifestyle? Are you eligible for a VA home loan and want to know if you can use a VA loan to buy and finance a condo? Why do people decide to buy a condominium...
What is a temporary buydown and do you want one? We’ve mentioned here on several occasions about how the mortgage industry seems to think up different lending terms on a regular basis but that’s really not the case at...
There are many players and terms involved when buying a home. So many that you never even knew they existed. Did you know there is an escrow agent? Metes and bounds? Lender vs Real Estate Agent?  These are just...
Buying a home means there is a lot of preparation before making a final offer to buy. You decide where you’d like to live based upon your own set of standards such as square footage or number of bedrooms and...
Knowing where you stand credit-wise before shopping for a home loan can save you both time and money. Lenders employ a matrix of sorts that combines a down payment amount and credit score to come up with a mortgage...
With all the gyrations in the stock market in recent years, investors have looked beyond stocks and considered other types of investments as they adjust their portfolios. Hard assets, those that you can feel, touch and see have always...