In recent years, many California homeowners have struggled to find home insurance. Between wildfire risks and private insurance companies scaling back coverage in high-risk areas, some properties have become nearly…

One of the most stressful moments in the home-buying process occurs when a buyer discovers that the property appraisal has come in below the agreed-upon purchase price. This scenario, commonly…

Refinancing your home loan can help you save money and adjust the term of your mortgage – whether that’s paying off your loan sooner, lowering your monthly payment, or switching…

VantageScore 4.0 is a new credit scoring model that mortgage lenders may start utilizing as a substitute for traditional FICO scores. It is similar to the existing FICO scoring model,…

If your current mortgage is holding you back from buying your next home due to a lack of ability to qualify for a new mortgage loan, the Debt-To-Income (DTI) Drop…

Getting a mortgage when you’re self-employed doesn’t have to be impossible. If you’re a business owner, freelancer, or independent contractor struggling with traditional mortgage requirements, Profit & Loss (P&L) loans…

Shopping for a mortgage online can feel overwhelming. So when you see a quick, clean list of rates on a comparison website, it’s tempting to move forward with a mortgage…

Online banking has become essential for managing personal and business finances efficiently. Whether you’re keeping track of mortgage payments, monitoring expenses, or preparing for tax season, having easy access to…

When shopping for a home loan, you may encounter an adjustable-rate mortgage or ARM. Unlike a fixed-rate mortgage, where the interest rate remains the same throughout the life of the…

Conventional Loans Conventional loans are the single most common loans that people obtain when buying a home. All conventional loans meet standards set by the Federal Housing Finance Agency and…