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A home is probably going to be the largest personal purchase you’ll ever experience. Sadly, lots of people make the worst mistakes when buying a home — mistakes that can amount to tens or hundreds of thousands of dollars in additional interest, or burden you with a home you are not able to afford or…
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If you’re looking for a vacation home in California state to spend your holidays in, buying a second home can afford you with a plethora of opportunities. But like your primary residence, buying a second home in cities like San Clemente, Huntington Beach, or Laguna Beach is an incredibly costly effort and one that requires…
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Beacon Hill and Marina Hills are among Laguna Niguel’s most charming, high demand neighborhoods in South Orange County. The city of Laguna Niguel is a coastal master planned community with approximately 63,000 people set in the San Joaquin Hills with many homes boasting views of the Pacific Ocean. The city is bordered by Aliso Viejo…
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Irvine may not be the oldest town in the United States nor the largest, but it sure stands out against many others. For a long time now, news outlets and tourism institutions have consistently ranked this beautiful city as one of the best places to live in America. Let us take a look at some…
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The label “hard money lender” is a lender, sometimes private individuals, who make loans to people or businesses that banks and credit unions will not offer a loan. On the other side, a “soft money loan” are loans that are offered by traditional lending institutions; banks and credit unions. You will need to meet the…
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Today’s homeowners are building wealth like never before. Perhaps it is the increasing population in major cities and urban sprawl. It is not always so easy to pinpoint the exact cause when there’s numerous variables. The average appreciation over the course of 2018 should be 4.8%, which is still greater than the “normal” appreciation of…
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The first-time home buyer (FTHB) often deals with obstacles in the mortgage process that don’t affect experienced home buyers, house flippers or rental property owners. One of the hurdles for FTHB’s is they usually have a minimal amount of funds saved to put down on a house. When it’s your first home, that is very…
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As of January, 1, 2019, all mortgage lenders in California will recognize the new conforming loan limit of $726,25 for Orange County and other high cost counties throughout the state. Additionally, FHA has made a similar move and raised their own loan limits as well. This is very good news for prospective home buyers who…
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Are you worried that a lot of your income isn’t going to be counted? Some examples are those who receive child support, a good chunk from military allowances, or your converted garage to a roommate. Learn how lenders handle certain income when you apply for a mortgage. Most people tend to think of “income” as…
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A research report compiled by the Urban Institute shows that almost 30% of home buyers in California purchased a home with a down payment of 3.5% or less in 2017. Home buyers who put down 20% or more represented 42% of transactions. These statistics show more proof to quash the popular myth that all home…
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