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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.

Is it OK to Switch Lenders While in Underwriting with Current Lender?

Reasons why borrowers may want to use another lender after starting the mortgage process with their present lender.

Will Higher Interest Rates Hurt Real Estate?

The impact of interest rates that are a quarter or half-percentage point more than one or two months ago

4 Different Practical Ways to Find Out How Much House You Can Afford

Homebuyers often want to buy a home by getting the most mortgage they can borrow. That is determined by affordability factors

Real Estate Agents Must Be Alert Of the Multiple Changes The Mortgage Approval Process Goes Through

Not only loan officers need to be aware of financing changes but real estate agents should be up to speed on any major changes that may affect their client's buying power.

Are Any Lender Fees Negotiable So My Closing Costs Can Be Lower?

Learn to negotiate closing costs with your lender so you pay less of out pocket. Some loans can have an origination fee or not. Discuss it with your loan officer.

Mortgage Approval Or Prequalification When Buying A Home

Learn the best way to start the financing process when shopping for your home in Orange County, California through licensed and professional loan officers.

Will Mortgage Loan Guidelines Become Easier for Borrowers?

7 Ways to Get the Best Mortgage Rate and Terms

Learn some ways to improve your chances of mortgage approval and obtaining the best interest rates as well.

Which 3 Percent Down Mortgage Program is Best: FHA or Conventional 97?

Today's home buyers have a healthy number of options when it comes to low- and zero-down payment home loan products to purchase a home.

Is it Worth Refinancing a 30-year Fixed FHA @ 3.625% interest rate to a 4.3% conventional loan without PMI?

If your property value has increased and even if you bought your home in the last two years, a refinance to a conventional loan without MI can be a huge benefit.

Equity Lines of Credit and Second Mortgages are Coming Back Strong

Lenders are offering more standalone and piggyback second mortgage and home equity lines of credit due to home value appreciation in the last few years.