mortgages Archives - San Diego Purchase and Refinance Loans

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Commercial real estate loans can improve and enhance your business. The majority of mortgage loans are made to individuals and couples purchasing their personal residence. Most people understand these loans, or at least have a general picture for how they operate…

A Step-by-Step Guide to Buying a Home in Oregon

by Chad Baker August 18, 2018 0Comments

The escrow process in Oregon is similar to other states that use a closing or escrow agent. A representative from a title company can also be used for escrow purposes. The buyer’s money is held by a neutral third…

Rising Interest Rates and the Impact on U.S. Homebuyers

by Chad Baker March 16, 2018 0Comments

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 rise, it can create various…

2018 Tax Reform: What Does it Mean to Homeowners?

by Chad Baker December 6, 2017 0Comments

It’s everyone’s favorite topic! Taxes...with a sprinkling of politics, just to keep you interested! Okay, it may not be exciting, and at times it can be confusing, disheartening, and downright frustrating, but the subject remains important. If…

Only Have One Year of Tax Returns? Mortgages are Still Possible!

by Chad Baker October 25, 2017 0Comments

When you apply apply for a mortgage, you’ll usually be asked to bring as much information as possible. This can include, but is certainly not limited to, bank statements, credit reports, asset verifications, and pay stubs. It may also include…