The U.S. Department of Veterans Affairs guarantees loans up to 100% loan to value for purchase rate and term or Cash out refinance loan scenarios. The …

Paying off debt to qualify is a wonderful way to drive borrowing power. For example, let’s say you have a couple of credit card payments totaling …

Refinancing or purchasing a house requires an ample supply of cash, credit and income. Here’s what you need to know with regards to getting a mortgage …

In the last few years, mortgage lending guidelines have begun to loosen as the broader economy is stronger now that the recession has passed. The following …

To apply for a mortgage, get approved and close escrow you must have some sense of urgency. Whether you are buying a home or refinancing a …

Purchasing a house for the first time requires careful planning and consideration so you can make the right financial choice for you and your family. Here’s …

Applying to purchase or refinance a mortgage is going to require you providing an ample supply of credit, cash and documentable income to support the loan …

When you make an offer purchase a house you have two types of closing costs: reoccurring closing costs, which are interest, taxes and insurance; and non-recurring …

Fannie Mae and Freddie Mac’s mortgage calculation of use net income is super conservative and will make your mortgage on your rental property worse from a …

When you’re buying or refinancing a house it goes without saying you want to get a competitive interest rate with favorable terms associated with the money …

In the last few years mortgage lending guidelines have begun to loosen as the broader economy is stronger now that the recession has past. Following refinance …

One of the challenges home buyers face when purchasing a house for the first time is how much of their income should go toward a mortgage …

Mortgage loan officers hear daily from consumers that they don’t want their credit score pulled because they’re worried about their credit score dropping. Unfortunately, the internet is full of …

A 1031 tax-deferred exchange is a deferred exchange in the gain of an investment property used to acquire another investment property. Make no mistake this is …

Proposition 13 was enacted in California in 1978 to limit the amount of property taxes that homeowners pay. Prop 13 protects your property taxes from increasing …

To buy a house, you need to have at least a good credit score, provable income that supports your ability to repay the mortgage and enough …

Why would a mortgage payment ever change? Consumers are often given little explanation by their bank on why their payments are suddenly due to a different …

Looking to move up in the housing world, but don’t quite have the cash? The following are a few programs that may be available to you: …

If you’re purchasing a house – whether it’s a primary home, move-up home or secondary home – and the house needs work, don’t shy away from …

Do you think your credit score qualifies you for some of the best mortgage terms available today? Maybe you’ve requested your credit scores recently and you …

The first and most important factor to consider when buying a house is, quite simply, whether you can afford it. Is your income rising, remaining stable …

Time is not on your side when it comes to an escrow. The mortgage process can be a bureaucratic, complicated gauntlet that punishes today’s borrowers more …

Depreciation, mortgage insurance and other factors can affect owning a rental property. In fact, if you’re financing another property while you have a mortgaged rental space …

It’s no surprise that banks are coming up with innovative ways to elicit new mortgage business. The following tricks are ethically questionable: 1. Getting your contact …

Purchasing a home in Sonoma County has never been easier. However, houses still sell for an average of $700,000 here, making careful planning a must. Here …

If you’re looking to purchase or refinance a house providing tax returns can sometimes just be inconvenient especially if your tax returns have various extending schedules. …

When you apply to purchase or refinance a home, the mortgage lender adds your monthly fixed expenses to your housing payment, creating a debt-to-income ratio. When …

When you talk to a lender about pre-approval, you’re going to go through a full range of emotions, including anxiety over whether you should buy a …