When we think of loan qualification, we think of credit scores, debt-to-income ratio, and annual salary totals from a steady career. We rarely think of the money locked in an Investment Retirement Account (IRA), 401(k), or Keogh retirement account. For...
“How’s The Real Estate Market In Chula Vista 91910?” 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...
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....
In one of the most watched political developments in recent memory is the decision by British voters to leave the European Union. This “exit” narrowly passed and the EU is still deciding what to do next. What the impact of Brexit...
“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...
Whether you are borrowing money for a new fridge or a million-dollar home, you will likely come across the term “APR.” You hear it on auto commercials and on signs for furniture stores; you’ll also see it when researching...
Coming up with funds to close on a home purchase is perhaps the single greatest barrier first time home buyers face. At least there are still too many who believe that. Yet despite the easy access to information and...
Financing a Home Purchase With a HERO Lien or PACE Lien If you found this article during an online search, it’s very likely you, or the property you want to buy (or refinance), is in some sort of a financial...
If you currently have a home equity line of credit, or a HELOC, or thinking about applying for one, you should note that HELOC rates will rise as rates in general do. A HELOC is in fact a line...
Conventional Loans Conventional loans, those that are underwritten primarily to guidelines set forth by Fannie Mae and Freddie Mac have been around in some fashion since 1967, when Fannie Mae became its own government-sponsored corporate entity followed by Freddie Mac...