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As you start to search for homes in your desired area, you may discover that you’d like to buy a home higher than your limit before you started your house hunting to live better and not deal with upgrading your home. There are a number of choices to think about and go over with your…
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Mortgage lenders are dealing with economic uncertainty caused by the Covid-19 economic shutdown by tightening qualifying standards. They began increasing the minimum credit scores, demanding larger down payments, verifying your employment status multiple times, and even taking away specific loan products completely. Job losses have gotten to astonishing levels due to the corona virus pandemic.…
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As soon as you feel you’re ready to buy a home or condo, the question of do you qualify for financing or will pay all cash comes to mind for the seller and the real estate agent. Almost half of foreign investors have paid all cash for their California home purchase. Unfortunately, if you need…
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Are you worried that a lot of your income isn’t going to be counted? Some examples are those who receive child support, a good chunk from military allowances, or your converted garage to a roommate. Learn how lenders handle certain income when you apply for a mortgage. Most people tend to think of “income” as…
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Is it always a positive to use a co-borrower on your home purchase? Each real estate transaction has its own unique set of characteristics. So, it depends on the entire situation. When you apply for a home loan, the lender’s main concern is your ability to repay the mortgage. The home is used as security…
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Sure, you can. It is not an issue for everyone! You may want to rent out your current home and get another mortgage to buy a new home. Many homeowners inquire with us and ask whether they should rent or sell their home. Some of the reasons are they are in a new relationship or…
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Once you finally get your hard-earned college degree, you feel confident and ready to tackle the world and make it a better place. However, that tackling will likely involve managing your student loan debt. With that debt your chances of qualifying for a mortgage become more of a challenge. Based on date from the America…
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Due to a recent decision by Fannie Mae, getting approved for a mortgage when you have student loan debt will be a lot less difficult. Fannie Mae recently announced a few new changes that will help borrowers with student loan debt be eligible for mortgage financing. For the 44 million American borrowers carrying a total…
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Competition for Housing Makes Renting More Costly It seems renting—particularly single-family homes—is continuing its trend higher. And based on studies from one industry player, that means bad news for renters. House rents averaged $3,114 a month in Orange County during the fourth quarter of 2016, according to Irvine-based HomeUnion, a company that helps investors buy…
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The answer is not crystal clear when it comes to using the Realtor’s preferred lender. You need to be certain that the lender you use works for you and not your agent. You are need to have honesty, the means to close on the agreed upon contract date and a well-informed lender who can provide…
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