From real estate agents to the United States government to most people’s grandmothers; everyone agrees that homeownership brings significant benefits. Owning a home is part of the American dream, a pillar of financial prosperity that
Home prices have steadily increased, adding value, wealth, and equity for property owners across the country. Thanks to an increase in value, home equity (the portion of the property held by the legal owner) has
Cash reserves are just one of the factors that are considered when a lender or lending professional reviews your application. They generally don’t come into play for conforming mortgages (loans under a certain amount), which
People choose low-down-payment loans for many reasons. For some, the justification is simple: they just don’t have the money but want to buy a home. For others, the reasoning is more complicated: even if they
Whether you have actively searched for a home or you’re simply considering the prospect of homeownership, you’ve likely come across the subject of a down payment. In fact, you’ve probably heard, by at least some
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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