When shopping for a mortgage in California, you'll eventually encounter the term loan-to-value ratio, or LTV. This term is often used when describing the requirements for a certain type of mortgage program or product. For example, FHA loans have a…
After several years of major change within the housing market, a lot of buyers are now wondering what things will be like in 2025. One of the most common questions: Will California be more of a buyer's market or seller's…
Given the rate at which San Jose home prices have risen over the past year, it's hard to believe that forecasters are predicting continued price quote in 2022. But that seems to be the case. A recent forecast for the…
Home prices across California have risen substantially over the past few years, and during 2021 in particular. As a result, home equity levels among many California homeowners are higher now than than they were a year ago. Among other things,…
For many Bay Area homeowners, 2022 could still be a good time to refinance a mortgage loan. Thirty-year mortgage rates are still at historically low levels, while home prices have increased substantially. These trends have put many homeowners in a…
You probably understand the importance of getting a good mortgage rate when buying or refinancing a home in California. But do you know how mortgage rates actually work? You soon will. In this California consumer guide, we will talk about what…
When buying a home in the San Francisco Bay Area, you have several options for mortgage financing. You could go to a traditional bank, a mortgage company, or a broker. In this article, we'll examine some of the benefits and…
Solano County home buyers got some good news earlier this month. Federal housing officials announced they would be increasing the conforming loan limits for Solano County, for 2022. The FHA limits will also be going up, starting on January 1,…
We have good news for California home buyers who plan to use an FHA loan in 2022. Housing officials have increased the maximum mortgage amounts associated with this program. The California FHA loan limits for 2022 will go up considerably…
Another year, another increase for Alameda County conforming loan limits. In 2022 the conforming loan limit for a single-family home in Alameda County, California will go up to $970,800. Anything above that would be considered a jumbo mortgage. The Federal…
