What is an ARM? An Adjustable-Rate Mortgage (also called a variable-rate or floating mortgage) is a type of mortgage where the interest rate applied on the outstanding balance varies throughout…
Zooming in on Interest Rates
Interest rates have long been a part of the financial landscape. They act as a bridge between corporations and borrowers to ensure money will always be available to borrow in…
Supplemental Property Taxes: What A New Homeowner Should Expect
The Supplemental Real Property Tax Law was signed by the Governor in 1983 and is part of an ambitious drive to aid California’s schools. This property tax revision produces over $300 million per year in revenue for schools….
What to Expect With The Refinance Process
Borrowers often have anxiety about refinancing and going through the taxing journey of gathering their personal financial documentation. The good news about refinancing is it is very similar to the…
Re-Introducing Jumbo Loans!
The key difference between a Jumbo mortgage and a Conforming loan is the size of the loan. A Jumbo loan is a mortgage used to finance properties that are too…
Concerns Millennials Have About Home Purchases
Millennials take a lot of heat for being the first generation to experience the convenience of technology and shift of the culture. But despite the glory of the internet and…
Top Nine Most Affordable Cities in California
California offers much more than just iconic beaches, Silicon Valley, and Hollywood celebrities. It hosts theme parks, mountains, agricultural fields, deserts, vineyards, and much more. Many buyers love the idea…
What’s Behind All The Mortgage Rate Volatility
Interest rate volatility refers to the variability of interest rates on loans and savings over time. As a business owner, it’s vital to recognize and track interest rate volatility to take advantage of high savings rates and…
Top Seven Safest Cities in California
As one of the biggest states in the continental U.S. it is safe to say that when considering a move to, or within California, there are plenty of options. Unprecedented…
Five Reasons to Use a Local Lender
It is important to do an ample amount of research and shop for a mortgage loan before deciding who to work with. While big banks have a strong presence they…
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