San Diego County has a military population of nearly 100,000 people. That means there are a lot of servicemen and women in the area who could benefit from a VA-backed home loan. We are passionate about this program, so we've…
The Department of Housing and Urban Development (HUD) recently announced that California FHA loan limits will be increased for 2025, in response to rising home values nationwide. According to Federal Housing Commissioner Julia Gordon, this latest increase "enables the FHA…
Home buyers in California who use an FHA loan to buy a house typically have to pay for mortgage insurance. That's one of the requirements set forth by the Federal Housing Administration and HUD. This guide explains what FHA mortgage…
On this page: A forecast for the Sonoma County real estate market in 2025, including major cities such as Santa Rosa, Petaluma, Rohnert Park, Windsor, and Healdsburg. As a Bay Area mortgage company, we do our best to keep local…
California's Silicon Valley is one of the most competitive real estate markets in America. And recent predictions suggest that it could heat up even more in 2025, with rising prices and more sales. A recent report from the California Association…
In this report: An update on current housing market trends in the East Bay region of the San Francisco Bay Area, with a real estate forecast stretching into 2025. The eastern part of the San Francisco Bay Area (locally known…
FHA loans are a popular financing option among home buyers in California. In 2023, they accounted for about 13% of all purchase loans nationwide. First-time buyers, in particular, enjoy the low down payment associated with this program. Today, we will…
Home buyers in the San Francisco Bay Area have a lot of questions when it comes to down payments. We know this firsthand, because we've been fielding such questions for nearly 20 years. One question in particular always seems to…
Homeowners in California have several ways to convert their home equity into cash. One common strategy is to use a second mortgage (a.k.a., home equity loan) that delivers a lump-sum payment based on the equity you've built up. We recently…
Home buyers in California who have been through a bankruptcy within the past few years sometimes have a harder time qualifying for mortgage loans. Bankruptcy filings like Chapter 7 and Chapter 13 can significantly lower a person's credit score. They…
