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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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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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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Is An FHA Mortgage Right For You?
One of the best home loan programs available to consumers is the FHA loan program. Hundreds of thousands of homebuyers and homeowners obtain an FHA home loan each and every year. Most applicants use the FHA loan program to buy
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Conventional Vs. FHA
Conventional home loans are mortgages that are not “guaranteed” by any federal government agency. An FHA home loan is a mortgage that is “guaranteed” by the federal government (FHA guarantees the loan to the lender. FHA is a division within
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