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

military household embracing

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 […]

home buying couple

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 […]

home loans below their value

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 […]


Investing for Cash Flow or Appreciation

In California, it is not an easy task to find residential real estate that offers investors high cash-flow for a couple of reasons. Prices for people buying homes as their primary residence are driven up by strong demand. Residential investment properties are priced for speculation and not cash flow. This means the property is being […]

CA Home appreciating in value

Mortgage approval or prequalification

Is it OK to Switch Lenders while in Underwriting with 1st Lender?

Here’s a great example fo why you would switch. Your loan officer is claiming that you will be approved within adequate time for closing but because you were never completely comfortable with the loan officer or lender, you want switch to a different lender. Then you have uncertainties about if the second lender can approve […]