California home buyers tend to have a lot of questions about the mortgage side of the buying process. One of the most common questions has to do with timing. People often ask: How long does it take to get approved…
As of summer 2021, it's still a good time to refinance a mortgage loan in California. (For many homeowners, at least.) Mortgage rates continue to hover well below 3% on average, while home prices continue to climb. These favorable refinancing…
It's no surprise that the San Francisco Bay Area is an expensive real estate market. In fact, we have some of the priciest homes in the country on average. As a result, home buyers and mortgage shoppers often wonder how…
Buying a home in the San Francisco Bay area can be expensive. After all, we live in one of the priciest real estate markets in the country. And there's not much we can do about that. Fortunately, there are some…
Bay Area first-time home buyers tend to have a lot of questions about their mortgage financing options. One of the more common questions is: What's the best type of mortgage loan for a first-time buyer in the Bay Area? As…
Homeowners who have renters or boarders renting out a room in their primary residence could potentially use that income to qualify for a mortgage loan in California. While not as common as traditional income sources, boarder rents (or "room rents") can…
Did you know it's possible to use your assets as income when qualifying for a mortgage loan in California? It's true. Borrowers with documented, sufficient assets can often qualify for a home loan in California without the steady income that's…
Conventional mortgage loans are the most popular financing option among home buyers in California. In most cases, conventional loans require a down payment of at least 3%. That's the minimum investment for most borrowing scenarios. But in some cases, borrowers…
This past year of 2020 was a great time to refinance in California, from a mortgage rate perspective. We've written about that before. But we've never created a step-by-step tutorial that explains how to refinance a home loan in California.…
Is it still a good time to refinance a mortgage loan in the San Francisco Bay Area, in early 2021? In a word, yes. Many homeowners across the Bay Area could still benefit by refinancing their homes at a lower…
