California is going through a variety of challenges, including the need for more housing units. While you may not be able to solve the entire problem yourself, you can do one small thing to ease
If you are purchasing a home and using a mortgage, there are many important factors. While your own financial situation is most important, mortgage interest rates also matter. Mortgage Interest Rates: Where Do We Stand,
It’s no secret: in today’s market, buying a home is tough. With prices on the rise, time on the market extremely short, and massive competition for every property, homebuyers are finding it more challenging to
Many people struggle with their mortgage payments. Whether they have lost a job, been burdened with new bills (such as medical bills), or simply over-extended their budget, it’s not uncommon for homeowners to be “house
What is the cost of renting vs owning a house? This article will look at recent information and take a fresh look at this well-established question. There comes a time, in virtually everyone’s life, when
Is it worth refinancing for a 1%, .5%, or .25% interest rate reduction? This article will help you make the best decision. If you pay any attention to the real estate market or the mortgage
Forbearances are declining. What could this mean for future homebuyers? The United States, at least economically, appears to be steadily returning to a state of normal. Yes, COVID-19 cases continue to increase in many areas,
A real-estate contingency can make or break a deal. Although (in rare cases) they can hold up a sale, contingencies are a common, and usually inconsequential, part of the total sales process. Whether you are
Mortgage research is an important part of the overall buying process. But where is the information, and what should you look for? This article hopes to guide you in the right direction. An informed decision
As homeowners, we are often pressured to refinance our mortgage. We see advertisements about falling interest rates and we’re told that if we don’t refinance right now, this “once-in-a-lifetime” opportunity will pass forever. To be
Since 2015, lenders and loan officers are required to issue a document known as a “loan estimate.” These documents can seem complex and intimidating, but if you understand their purpose, and how they help both
Chad Baker
Originating Branch Manager
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858-353-8331
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