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With all the turmoil and uncertainty that 2020 has brought, the housing market has remained surprisingly steady with no signs of slowing down in California. After a brief period of…

1. Do Your Research Buying a home is a daunting task and one that requires answering many questions. The first order of business is to sit down and do your…

The Covid-19 pandemic has brought an influx of change this year – specifically with trends directly impacting the real estate market.  The residential real estate market was tight, with deficient…

New Conventional Loan Limit The Federal Housing Finance Agency recently announced there will be a new increase to the conforming loan limit for all Fannie Mae and Freddie Mac mortgages…

When a self-employed borrower applies for a mortgage loan, there are additional layers of scrutiny that they will face due to a tightening of credit in the capital markets. While…

A subordinate lien is any mortgage or solar lien which is recorded in second position on a property that is subsequent to the first mortgage. Anytime a borrower is choosing…

Mortgage forbearance allows a borrower to put a pause on their mortgage payments with their lender temporarily, if they are encountering a financial hardship. Eventually, the borrower will have to…

Whether you are buying, refinancing, or selling a property it is likely that an appraisal needs to be done. An appraisal report is an unbiased opinion on the value of…

When searching for a property, it is a good idea to understand the rules and guidelines of each of the three main property types: Primary residence, a Secondary residence, and…

The mortgage loan process requires many essential critical components. Some of these components consist of vendors, such as escrow companies, title insurance providers, as well as the IRS for tax…