Tag Archives: homebuyer tips

Pulling Your Credit Report BEFORE You Apply For A Loan

Pic credit to Greenphile   Pulling your credit report before you apply for a loan can avoid unwanted real estate loan surprises and nightmares.  Just simply pull your own credit reports 60 days prior to applying for a California real estate loan.  There are a myriad of things that can be misreported on your credit […]

California First Time Home Buyer Things To Know

I see home buyers go through a cycle of emotions when buying a home in and securing a California mortgage, but here’s some things a California first time homebuyer should know. It’s initially exciting to buy a home. Than it’s nervous time when qualifying for a California home loan. Than anxiety can happen due to […]

Do I Choose My Loan or Does It Choose Me?

  You may ask yourself, do I choose my loan or does it choose me. Choosing which California home loan to use when purchasing a home can seem daunting regardless if you are California a first time homebuyer or a move-up buyer or a refinancer.  But with today’s market the loan almost chooses you.  That’s right, the […]

PMI Is A Tax Deduction? Who Knew?

PMI, otherwise know as private mortgage insurance, is that nasty insurance borrowers have to pay that protects the lender on a California mortgage when buying or refinancing a home and your first trust deed is greater than 80% of the appraised value. For much of the past decade, borrowers opted for a first and second mortgage […]

A First Time Homebuyer Tip On How To Maximize Your Purchasing Power

  A first time homebuyer tip on how to maximize your purchasing power. When purchasing a home a California first time homebuyer needs to know how consumer debt and its monthly payments affect their ability to qualify for a California mortgage. Here’s a statistic to remember, per $100.00 in minimum payments of consumer debt that is […]

Getting A California Real Estate Loan with 1/2 Percent Down Payment Has Arrived

  Actually this California mortgage has been available for several years but it just doesn’t get any press. The program is government backed and has been around since 2002 but only one lender has the authority to offer this California home loan which is why the general public isn’t familiar with it. The loan is called the […]