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
Refinancing is an important tool for homeowners, allowing borrowers to move from an impractical, expensive, or high-interest loan into a mortgage that fits their specific needs. Generally, refinancing is for borrowers who will stay in
If you want to lower the interest on your next home loan, mortgage points can be extremely useful. They might seem complex, but the basic principle is simple: mortgage points are upfront payments that reduce
Mobile homes provide an affordable option for your home purchase. While financing for this type of property can seem more complex, there are plenty of options available. For California residents who are military veterans, one
One of the most important components of your mortgage application is the establishment of your income. Basically, the bank, lender, or lending agent needs to know how much money you make or how much money
When you are searching for a home loan, you have many options. You can choose a fixed-rate loan or an adjustable-rate mortgage. You can go with a conventional loan, or use an FHA loan. One
Refinancing can be a useful tool to secure a loan that fits your needs. But it’s not for all homeowners at all times. There are specific situations when a refinance is appropriate; likewise, there are
The HomeStyle Renovation program is an excellent option for financing your home purchase and remodeling project. It allows you to secure a mortgage for not only the purchase of a home, but also a wide
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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