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Becoming a first time homeowner is an incredible feeling. Not only have you reached an important milestone in life, but you’ve also got a property to call your own. Here are some steps to make the home buying process easier.

Step 1: Start Building Your Credit

Applying for a mortgage with a low credit rating could impact you [...]

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If you want to make buying your first home a reality, there are numerous programs that are now available to help you accomplish just that. The HomeReady mortgage program offers an affordable home loan that is designed to accommodate the diverse financial needs of creditworthy, responsible buyers. You may qualify for features such as a low d [...]

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If you are seeking to purchase a home and your credit rating needs improvement, you can take some concrete steps to increasing your score on your own. Developing a personalized strategy on how to improve your individual credit score is one that we can help y [...]

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The USDA Rural Housing Guaranteed Loan Program is an important option for low-to-moderate income individuals for obtaining financing for housing.

According to the USDA, the Rural Housing Guaranteed Loan Program, "assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decen [...]

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Are you required to make a  large down payment when purchasing a home? In many instances, the answer is no. You will find many different programs available that offer low down payment options in addition to allowing alternatives to funding that lower down payment. Some financial professionals may advise you to make a higher percent down pay [...]

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The Federal Home Loan Mortgage Corporation, or Freddie Mac, has an exciting program to suit the needs of individuals and families looking for low down payment options. The Home Possible Advantage program offers an affordable, conforming conventional home mortgage with lower percent down payment. This is designed to help first-time home buyers an [...]

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FHA 2018 Loan Limits

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When Native Americans in California look to purchase a home, they face several unique challenges. The most common of these prob [...]

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Throughout California, interest in energy efficiency remains high. The state has a more than four-decade history of programs and initiatives that have reduced greenhouse gases and emissions, saved money and improved the environment. The following information outlines some residential energy efficiency benefits and gives you a comprehensive [...]

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The VA home loan program has a long and successful history of helping United States veterans find and purchase homes. If you’re a veteran living in California, the VA Home Loan Program can help you with finding a loan, learning about VA loan guidelines, and purchasing the home that meets your needs, now and for the future.

A Br [...]

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For many potential homebuyers, the down payment and closing costs can consume a significant part of the purchase budget. In many cases, these costs may be significant enough to prevent or substantially delay the purchase. In California, homebuyers can participate in the California GSFA Platinum Program, a grant program designed to provide down p [...]

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First-time home ownership remains a sought-after goal for many young Californians. First-time home buyers made up 35 percent of all home buyers in 2016, according to information from the 2016 Profile of Home Buyers and Sellers, an annual report published by the

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We've all grown up with this goal to find a steady job and get to the point where we feel like we're really stable in life so we can finally take the ultimate step: buying a home for ourselves and/or our family.

But buying a house is a huge investment.

It's not every day that you'll consider droppin [...]

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If you've been considering a refinance on your home, but you're worried about losing your Mortgage Credit Certificate (MCC), there's good news: It is possible to refinance your home while keeping your Mortgage Credit Certificate in place. However, there are a few things you need to be aware of to make the process go smoothly. 

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California's Mortgage Credit Certificate (MCC) program was designed to help first-time homebuyers and homebuyers in federally targeted areas qualify for homes. This program is administrated by state and local Housing Finance Agency (HFA), but they are not the lender. Rather, they w [...]

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Some Highlights:

  • For the 5th year in a row, the Northeast saw a concentration of “High Outbound” activity.
  • For the first time ever, South Dakota held the top spot for “High Inbound” states.
  • Much of America’s outbound activity can be attributed to Boomers relocating to warmer climates aft [...]
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Today, many real estate conversations center on housing prices and where they may be headed. That is why we like the Home Price Expectation Survey.

Every quarter, Pulsenomics surveys a [...]

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Some Highlights:

  • Many buyers are purchasing a home with a down payment as little as 3%.
  • You may already qualify for a loan, even if you don't have perfect credit.
  • Take advantage of the knowledge of your local professionals who are there to help you determine how much you can afford. [...]
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Some Highlights:

  • Whether you are selling your home, just purchased your first home, or are a homeowner planning to stay put for a while, there is value in knowing which home improvement projects will net you the most Return On Investment (ROI).
  • While big projects like adding a bathroo [...]
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So you’ve been searching for that perfect house to call a ‘home,’ and you finally found one! The price is right, and in such a competitive market that you want to make sure you make a good offer so that you can guarantee your dream of making this house yours comes true!

Freddie Mac covered 

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