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How Our ADU Loans Can Help Ease California’s Housing Shortage

Chad Baker April 19, 2022

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

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Mortgage Interest Rates Watch: Where are Rates Now, Will they Rise or Fall in Future?

Chad Baker September 14, 2021

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,

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Renovation Loans: A Possible Solution When You Can’t Purchase a House

Chad Baker August 31, 2021

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

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Get a Lower Monthly Mortgage Payment with these 8 Essential Tips

Chad Baker August 10, 2021

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

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Renting vs Owning a Home: A Fresh Look at this Classic Question

Chad Baker June 15, 2021

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

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When is an Interest Rate Reduction Worth Refinancing?

Chad Baker April 1, 2021

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

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Forbearances are Dropping: What This Means for Homeowners?

Chad Baker November 19, 2020

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,

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Common Contingencies and How They Impact Your Purchase

Chad Baker October 29, 2020

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

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Mortgage Research: What to Look For and How to Find It

Chad Baker October 13, 2020

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

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4 Critical Questions to Ask Yourself Before You Refinance

Chad Baker October 2, 2020

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

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Young business man doing calculator finance cost in home office.

Loan Estimates: What Should You Look for In this Important Document?

Chad Baker July 6, 2020

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

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Recent Posts

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March 13, 2023

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Jumbo Home Loans with 10% Down in 2023

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