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Happy 4th of July

Happy 4th of July

We want to wish you a Happy Fourth of July! It is because of clients like you who believe in this great country and the dream of homeownership that we have reason to celebrate. "We hold these truths to be self-evident, that all men ar

Jul 03, 2019 | Mortgages

5 Tips for Buying an Investment Property in California

Adding real estate to your investment portfolio can be a great asset… if done correctly. Buying a property to flip or rent out has different mortgage requirements than a primary residence. There are always hidden costs that need to be anticipated a

Jun 19, 2019 | Purchasing a Home

Benefits to Mortgage Debt

Benefits to Mortgage Debt

In order to buy a house, most Americans take on a mortgage loan. While debt is usually to be avoided if possible, when it comes to a mortgage there may actually be some financial benefits for borrowers. Liquidity If you dump all your extra funds into pa

Jun 05, 2019 | Debt Credit Mortgage

4 Loan Programs With Zero-Down Payment

4 Loan Programs With Zero-Down Payment

Are there ways to get a mortgage loan without making a down payment? While the options are not as plentiful as they used to be, there are still at least four government-backed programs that allow borrowers to buy a home with no down payment. Over a decad

May 22, 2019 | Purchasing a Home First-time Homebuyers Government Loans FHA Loans VA Loans USDA Loans

What is Mortgage Amortization?

What is Mortgage Amortization?

If you have a fixed-rate home mortgage, you pay the exact same amount each month. But did you know that the amount of principal you pay toward the balance of your loan changes from month to month? This is called amortization and it is a method of distribu

May 08, 2019 | Credit Interest Rates

How to Build Home Equity

How to Build Home Equity

While it is possible to get into homeownership with little upfront investment, there can be many benefits to building up equity in a property. Mortgage equity is the value of the homeowner’s stake in a home. It is basically how much the home is wort

Apr 24, 2019 | Home Equity