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Stay Focused and Don’t Stress Over Rising Rates

Thirty-year fixed interest rates were less than 3% in early 2021 but are inching closer and closer to 6% today in the summer of 2022. This sharp increase may seem like mortgage rates are too high and you missed the right opportunity to buy a home, but just because rates are on the rise doesn’t…

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buy or rent

6 Reasons Why You Should Own A Home

If you’re thinking about buying a home among the heavy competition in Southern California’s housing market, you may become discouraged. Then again there are excellent reasons to still buy that home you really want. As a homeowner, you’re building equity and wealth for your future.  Your home should appreciate in value and your monthly payment…

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Successful Home Buying in Arizona

Home prices in Arizona have increased significantly over the past few years. Based on data from the Arizona Residential Multiple Listing Service, the greater Phoenix metro had large increases in home prices since 2015 up through 2021. In some years over that time period, home values rose by over 10% a 12-month span, putting Arizona…

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Costly Mortgage Mistakes

Mistakes Before Applying for a Home Loan

A home is probably going to be the largest personal purchase you’ll ever experience. Sadly, lots of people make the worst mistakes when buying a home — mistakes that can amount to tens or hundreds of thousands of dollars in additional interest, or burden you with a home you are not able to afford or…

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home loan with co-borrower

Is it Good Idea to Use a Co-borrower?

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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OC Home rentals

Renting in Orange County is Now Even Less Affordable

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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homebuyer facts vs myths

9 Home Buyer Myths and Facts

For many consumers the decision to buy a home is one of the largest purchases of their lives. Many home buyers will be new to the process or haven’t owned a home in the last three years.  It can be confusing to know what is true and what is a myth. The following are the…

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OC real estate agent

If I Choose a Realtor, Do I Need to Use Their Lender?

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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money in a jar

5 Reasons to Make a 20-percent Down Payment

Please look at the graphic below when it comes to making a down payment of 20% or more and some of the benefits.     Share this Image On Your Site </p><br /> <p><strong>Please include attribution to 1st NWM with this graphic.</strong></p><br /> <p><a href=’https://www.1stnwm.com/blog/5-reasons-make-20-percent-payment/’><img src=’https://www.1stnwm.com/blog/wp-content/uploads/2016/10/5-reasons-down-payment-w.jpg’ alt=’Benefits of a 20-percent Down Payment ‘ width=’540px’ border=’0′…

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first tome homebuyers

Low Dow Payment Mortgage Considerations

As you get into your 30s, found “the one” you want to put a ring on, the idea of cementing your roots in one place and calling it home have grown more and more attractive. So, you may find yourself searching homes for sale on local Orange County real estate sites or Zillow a few…

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