Did you know that your current level of debt can affect your chances of qualifying for a mortgage loan in California? It's true. In fact, reducing debt is one of the best things a home buyer in California can do…
If you're planning to buy a home in California in the near future, you've probably already heard the news about mortgage rates. The average rate for a 30-year fixed mortgage loan recently rose to its highest level in more than…
As we have written in previous blog posts, Solano County remains the most affordable housing market here in the San Francisco Bay Area region. But when you zoom out to the state of California as a whole, the most affordable…
Have you heard about the temporary mortgage rate buydown but aren't sure how it works? Wondering if it's the right financing strategy for you? You've come to the right place! In this article, you'll learn how a temporary mortgage rate…
Forecasts and predictions for the San Jose metro area real estate market suggest that home buyers could encounter a higher level of competition in the coming months. Through the rest of 2023 and into 2024, the San Jose housing market…
It's a pity when mortgage shoppers don't understand PITI. (Sorry, we had to go there.) But in all seriousness, PITI is a very important concept for California home buyers and mortgage shoppers to understand. It can affect everything from the…
First-time home buyers in California often encounter a lot of terminology they're not familiar with. From ARM to PITI to LTV to DTI, it can be like learning a second language. Not to worry. Below, we've created a glossary of…
After falling through the second half of 2022, home prices in California have started rising again. House values can be influenced by many different factors, but they're mostly driven by supply and demand. And the main reason why California home…
We've covered private mortgage insurance in previous articles, from a cost perspective. To further clarify this subject, we have created a list of frequently asked questions relating to private mortgage insurance in California. This guide includes one of the most…
The Sacramento real estate market has been on a roller coaster ride for the past three years. During the latter part of 2020, and all throughout 2021, Sacramento became one of the nation's "pandemic boomtowns" as new residents poured in…
