Purchasing a Home

Stay Focused and Don't Stress Over Rising Rates

Home buyers should focus more on affordability than the actual interest rate. Future opportunities to refinance do occur.

6 Reasons Why You Should Own A Home

There are many solid proven reasons to become a homeowner even with the home appreciation California and other states have experienced.

Successful Home Buying in Arizona

In Arizona's housing markets, you need to b pre-approved due to heavy competition and low inventory in 2021.

Mistakes Before Applying for a Home Loan

Are you aware of the mistkes so many home buyers make.before getting a mortgage? These mistakes we cover can be avoided.

Is it Good Idea to Use a Co-borrower?

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Renting in Orange County is Now Even Less Affordable

Research shows that rents in Orange County average $1,827 per month in 2017. Single family home rents are naturally higher at $3,114. A big reason the market is so tight is due to more renters in the region and fewer homeowners.

9 Home Buyer Myths and Facts

For many potential homebuyers, some allow their decision to be changed by a myth. Fear of buying a home is understandable but you need to know the facts from the myths.

If I Choose a Realtor, Do I Need to Use Their Lender?

Am I required to use the lender of the realtor who is representing me? This is a common question. See our answers for and against this dilemma.

5 Reasons to Make a 20-percent Down Payment

Review our list of reasons why a borrower should make a down payment of 20-percent and above when buying a home.

Low Dow Payment Mortgage Considerations

Buying a home in Southern California means you'll more than likely need a down payment unless it's a VA loan. Additional options exist for home buyers with as little as 3- and 5-percent down programs.

4 Questions You Need to Know Before Buying a Home

Don't forget about these important factors before making a commitment to buy a home. These can play a large role in your personal finances in the future.

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

Mortgage qualifying is challenging sometimes for one borrower to qualify based on their income ad debts. When qualifying is a problem, consider a co-borrower to help you qualify.

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

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.

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.

Are Home Prices in the U.S. Undervalued or Overvalued?

Home prices in California have shown very good double-digit appreciation and are creating more homebuyer demand in Orange County and Southern California.

When Is The Right Time To Get A Mortgage?