Can You Refinance If Money Is Tight?
When money is tight, many homeowners start asking a very practical question: Can refinancing help improve the situation? In some cases, the answer is yes. Refinancing your mortgage may lower the monthly mortgage payment, allow a homeowner to use available
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Your Credit Report And Debt Collection Rights
When you apply for credit, businesses inspect your credit history to determine if you meet their requirements for extending credit. The Fair Credit Reporting Act (FCRA) requires these businesses to provide you with information about the decision. The FCRA goes
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First-Time Homebuyer
Buying a home for the first time can be overwhelming. However, as a California first-time homebuyer, you have access to resources that will make the process more manageable. As a mortgage industry expert with over 20 years of experience, I
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Choosing The Right Mortgage
Every situation is unique. Just because one type of mortgage was good for your neighbor or even your parents doesn’t mean it’s the right mortgage for you. Every borrower has a different set of needs when finding the right mortgage.
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The Right Time To Refinance
Refinancing your home can help you achieve your financial goals. These goals may include better monthly cash flow, home improvement projects that increase the home’s value, paying off your mortgage early, or saving more money for retirement. The right time
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Credit Report Tips
If you’re buying a home or refinancing your current mortgage, an underwriter will review your credit report to determine if you meet the baseline underwriting requirements. Before your file goes to an underwriter, review my credit report tips for a
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Real Estate Appraisal
When buying a home in California, you’ll most likely need to complete a real estate appraisal and an inspection. Together, the two reports provide a wealth of information to you, the homeowner, so you can better understand the value and
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Homebuyer Checklist
Buying a home can seem daunting at first, but with our simplified homebuyer checklist, buying a home will be a bit easier. Our Homebuyer checklist will help you prepare your financial documentation, show you the importance of researching, how to
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Should You Refinance Your Mortgage?
One of the most common questions homeowners ask is: Should I refinance my mortgage? Refinancing replaces your current mortgage with a new loan. The new loan may have a different interest rate, a different loan term, or allow you to
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Average Closing Costs
Based on the 2025 home value index for California1, the average closing costs for home purchase transactions in California range between $15,778.34 and $39,446.00. This average uses the mortgage industry standard of an average cost range between 2.00% and 5.00%
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