Low Dow Payment Mortgage Considerations

As you get into your 30s, found “the one” you want to put a ring on, the idea of cementing your roots in one place and calling it home have grown more and more attractive. So, you may find yourself searching homes for sale on local Orange County real estate sites or Zillow a few […]

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saving money

Best Low Down Payment Programs for Home Buyers

While many prospective home buyers focus solely on interest rates, an equally, if not more significant item, is the availability of mortgage programs that help buyers. This includes those purchasing for the first time in three years known as first-time home buyers. First-time home buyers made up one-third of home sales in June 2016, which […]

Still Don’t Have Your Pre-Approval Letter?

There is one particular document just about all home buyers should have prior to viewing a home they are considering making an offer on. It’s known as a pre-approval letter. Most licensed real estate agents and won’t make an appointment for you to see the inside of home without that all important document. In high […]

mortgage pre-approval

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Methods to Homeownership for Military Families

For a good number of families, becoming a homeowner will be their biggest investment. Now if you factor in military families who have to move a lot, home buying gets a little more complicated. Fortunately, special tax rules were designed to help military families who decide to rent out their homes when they are transferred […]

4 Questions You Need to Know Before Buying a Home

How Much Home Can You Afford? This is one of the top questions home buyers have. Having said that, it may be the incorrect question in terms of your finances. Rather than trying to afford the highest home price a lender tells you, it may be better to figure out the maximum monthly payment you […]

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mortgage advice

Qualify for a Mortgage With a Non-Occupying Co-Borrower

Sometimes a little assistance is needed to get started in life when you don’t qualify on your for a car or a home loan. The solution many use to get a cosigner. A cosigner, essentially a co-borrower, is someone who signs a law binding agreement to repay the loan based on a number of set […]

Q&A on Orange County FHA Loans

Orange County FHA Frequently Asked Questions (FAQ) What defines a mortgage as an FHA loan? It is a mortgage loan insured by the Federal Housing Administration (FHA). The loan is not made by the government but is it insured against borrower default with its mortgage insurance aspect which is significant. What are the primary benefits […]

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New homeowners with house keys

Enticing Loan Programs for Orange County First-time Home Buyers

If you are a first-time home buyer determined to find a property? The following are tips to find out if you’re prepared to begin the process. Become familiar with the selling prices of homes in your desired location. Conduct a search on the MLS for listings in your area from a local realtor’s website, or […]

Home Loans in Orange County Far Above Being Underwater

Fewer underwater mortgage holders, but Las Vegas still at the top of the mountain.  The share of Las Vegas homeowners who are underwater continues to move downward, but it continues to be the highest of all large U.S. cities. As of January, 2016,  22.1 percent of Southern Nevada homeowners with home loans owe more than […]

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San Diego coastal homes

2016 Loan Limits Rise in 4 California Counties

On, December 16, 2015, the Federal Housing Administration made available the maximum mortgage limits for 2016. Loan limits will be going up for 188 counties as a result of appreciation in home values, and absolutely no counties in the U.S. will see their loan limits decreased. In California, among the areas benefiting from increased loan […]