Self-Employed Mortgage
Obtaining a self-employed mortgage is not as hard as you think, provided you’re working with the right mortgage company and a knowledgeable loan officer. Doing a little legwork before you apply for a self-employed mortgage makes you more likely to
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Qualifying For An FHA Mortgage
Being a homeowner is a significant milestone that propels individuals to financial freedom. Californians across the state achieve this milestone with the help of loan programs such as the FHA loan program. Qualifying for an FHA loan is a straightforward
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Co-Signing A Mortgage
A little-known way to help you obtain a mortgage is to have a co-signer on your loan application. Co-signing a mortgage is a great way to help a family member or friend buy a home or refinance a current mortgage.
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Average Mortgage Payment
Based on the average value index for California1, twenty percent equity, and average mortgage rates, California’s average monthly mortgage payment for 2024 was $3,759.21 (principal and interest). As we move into 2025, this average will adjust based on adjusted values,
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How To Make A Budget To Buy A House
Figuring out your home purchase budget is a big part of the homebuying process. To determine that, you must have a clear picture of your income, debts, down payment, loan program, and what level of monthly mortgage payment you think
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Ten Tips For Refinancing
For many homeowners, there comes a time when a refinance is in order. For that reason, we’ve created our tips for refinancing a mortgage. There are many reasons why a homeowner may want to refinance. Whatever the case, it’s important
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Loan-To-Value Ratio
Many factors impact your mortgage rate, and one of the most important factors underwriters consider is your loan-to-value ratio. When buying a home or refinancing a mortgage, it’s essential to know what impact your loan-to-value (LTV) ratio will have and
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Getting A Mortgage With Student Loan Debt
As the cost of attending college skyrockets, so does student loan debt. Getting a mortgage with student loan debt might seem impossible, but it’s not. There are many home loan programs to choose from, and getting a mortgage with student
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First-Time Homebuyer Tips
A successful home purchase starts long before you sign the dotted line, especially for first-time homebuyers. Preparations should start months or even years before you buy your first home. The more prepared you are, the more likely you’ll meet your
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Refinance Requirements
Moving forward with a refinance is a big step for most homeowners. A refinance might allow you to lower your mortgage rate, eliminate your PMI, or obtain cash-out for home improvements or debt consolidation. Learning what the refinance requirements are
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