Is a home appraisal required for a mortgage loan in California? This is a common question among first-time home buyers, and also a common source of confusion. So let's clear things up! The short answer is yes. A thorough appraisal…
Are you planning to move to the San Francisco Bay Area in 2025? Do you hope to buy a home later in 2025? Want to get up to speed on local real estate market trends? You're in the right place!…
Californians with student loan debt often wonder if they can qualify for a mortgage loan, on top of their existing debt. In many cases, this is totally doable, as long as the borrower has enough income to manage the monthly…
Are you thinking about buying a home in San Diego in 2025? If so, you probably have questions about the local real estate market, home prices, and similar topics. This guide will bring you up to speed on all of…
Home buyers in California often have to deal with low supply levels within their local real estate markets. This can create a series of challenges, including bidding war scenarios. But when it comes to buying a home in California, there's…
When you apply for a mortgage loan in California, you'll be asked for a variety of documents relating to your income, assets and debts. Lenders use these documents to verify your financial situation and to underwrite the loan. The exact…
This guide is part of an ongoing series that explores San Francisco Bay Area cities from a home buying perspective. Our goal is to educate buyers about the different real estate markets across the Bay Area. Today, we turn our…
As a mortgage company located in Contra Costa County, we like to keep local home buyers informed about home loan rules and requirements that might affect their purchasing power. This includes changes to the official FHA loan limits. In 2025,…
There's good news for home buyers in Contra Costa County who need to use a mortgage loan to make a purchase. Federal housing officials have increased the conforming loan limits for Contra Costa County in 2025. This also means that…
The San Francisco Bay Area is home to some of the most expensive real estate markets in the country. As a result, many home buyers have trouble coming up with a 20% down payment on a mortgage loan. The good…
