You must choose a real estate agent that can meet your needs. Few people can have such a profound impact on your life as the real estate agent. Think about it. A real estate agent will influence how much you spend...
Earlier this month, we talked about the exciting spring real estate season. We discussed strategies for both buyers and sellers, helping them either find the right home at an affordable price, or helping them sell a home quickly while...
Residential loans are often made to individuals and couples, helping them secure property to improve their lives and financial standing. However, residential loans can also be made to business entities. These loans help businesses gain operational advantages, and can...
On average, over one million Americans file for bankruptcy each year. The biggest contributing factors to bankruptcy typically involve divorce, loss of employment, or personal or family illness. For people who have recently experienced the bankruptcy process, there are...
Wondering how to remove a parent from a property title without triggering a reassessment by the county tax assessor?  There are a number of reasons why you may need to remove a parent from title, and thanks to Proposition...
Mortgage lenders certainly perform their own fair share of due diligence once accepting a loan application to either purchase a home or refinance an existing mortgage. The lender documents the borrowers as well as the property and for those...
A home appraisal plays an essential role in any purchase or refinance transaction. When a lender evaluates a loan application the lender actually issues two separate approvals- one for the borrower and one for the property. The property is...
  Are you getting ready to buy a home? Maybe you’re thinking of refinancing and you’re shopping around for a lender? Applying for and getting approved for a mortgage is a much simpler process than it used to be. Today,...
The Property-Assessed Clean Energy (PACE) program as well as The Home Energy Renovation Opportunity (HERO) provide homeowners the ability to finance energy and water efficient upgrades. One of the key features of the programs is that the cost of...
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...