Understanding mortgage loans and interest rates can be confusing and frustrating for many homebuyers. It doesn’t help that most advertised rates are just a marketing ploy to lure you in! In fact, a lender looks at several factors to determine an interest rate based on YOUR specific financial situation, including your credit score, your down-payment […]

A Guide to 2024 Garden Tours As spring blossoms into its full glory, Sacramento and its surrounding areas become adorned with vibrant hues and fragrant blooms, offering a delightful invitation to explore its lush gardens. Whether you’re a seasoned botanist or simply someone who revels in the beauty of nature, the upcoming garden tours in […]

Love Selling Your Home – Week 9 This is the ninth article in the series called, Love Selling Your Home: Minimize Your Stress, Maximize Your Profit, a step-by-step guide to selling your home. This series takes you through the entire home-selling process — from finding a real estate agent to settlement day. You’re now one […]

Whether you’re a longtime homeowner or a newbie, don’t forget to monitor your escrow account if your lender required one when you took out your mortgage. You want to avoid any pitfalls since it’s still your money (and your home!). Here’s a rundown of why you should always stay on top of things when it […]

Love Selling Your Home – Week 8 This is the eighth article in the series called, Love Selling Your Home: Minimize Your Stress, Maximize Your Profit, a step-by-step guide to selling your home. This series takes you through the entire home-selling process — from finding a real estate agent to settlement day. Just because your […]

VA loans are a great loan option for those who have served our country. These loans backed by the U.S. Department of Veterans Affairs, provide an affordable way for many military families to own their own home – and a way to say thank you for your service! Active-duty service members, veterans and surviving spouses […]

Love Selling Your Home – Week 7 This is the seventh article in the series called, Love Selling Your Home: Minimize Your Stress, Maximize Your Profit, a step-by-step guide to selling your home. This series takes you through the entire home-selling process — from finding a real estate agent to settlement day. Selling a home […]

Did you know that you can borrow money to buy a home from yourself if you have a 401k plan? Getting a 401k loan is one way to get additional money toward a down payment.  It’s a lump sum of money that is already yours — not the bank’s, not mom and dad’s, and not […]

Love Selling Your Home – Week 6 This is the sixth article in the series called, Love Selling Your Home: Minimize Your Stress, Maximize Your Profit, a step-by-step guide to selling your home. This series takes you through the entire home-selling process — from finding a real estate agent to settlement day. How do you […]

When it comes to getting a mortgage, it’s easy to focus on the interest rate. But, if you only focus on the interest rate, you might be missing some “hidden” fees that makes getting that interest rate more expensive. That sounds counterproductive but it isn’t. Several factors will help create the best mortgage and interest rate […]