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
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
Suppose you find the perfect house for your family. It has a wonderful backyard, a spacious kitchen, and three excellent bathrooms, which will make a weekday morning far more peaceful for your growing family. It
Investing in property is one of the most reliable and consistent ways to build a solid income and a healthy financial future. While nothing is guaranteed in property investments, and there are certainly examples of
The FHA is one of the most important government organizations in the real-estate industry. Many homeowners count on FHA loans, and we receive lots of questions about this type of financing. To help create better-informed
There are a lot of decisions to make when it comes to buying a home. One of the most important is deciding between a fixed-rate and an adjustable-rate mortgage. While adjustable-rate loans have their benefits,
Mortgage loans come in many forms, including adjustable-rate mortgages, which are often called “ARM loans.” These loans have a unique structure that allows the interest to go up or down alongside current rates. Instead of
Refinancing a mortgage loan can have many benefits, but homeowners often delay this step because they may be comfortable with their current mortgage, don’t know how to proceed, or don’t understand the right times for
Many variables go into a mortgage loan. Credit scores, debt-to-income ratio, property values, and borrower income are all considered when writing a loan. One of the most important factors is interest rates. When interest rates
Homeownership. It’s the American dream, the symbol of stability, security, and prosperity. It’s one of the staples of living a financially-secure life, and one of the pillars that supports the American economy. While people may
Fannie Mae’s HomePath program is a useful tool for homebuyers seeking an affordable, comfortable home. Designed to help Fannie Mae deal with an unexpected result of the housing crisis, this program continues to assist homebuyers
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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