There are rarely hard and fast requirements for a credit score when it comes to getting approved for a loan. A higher score will result in more favorable loan terms, such as a higher loan amount or lower interest rate…
Homeownership can be a pathway to building generational wealth — in fact, owning a home is so closely linked to long-term stability that it’s been one of the few life goals that’s just as common today as it was 50…
Being a homeowner during the cold winter months comes with a few additional challenges and responsibilities. But rather than wait for damage to occur, it’s best to take precautions to prepare your home for the frigid temperatures, especially if you…
Repairing or replacing your roof can be a big investment. As a homeowner, it’s natural to want to wait until the time is right to get the most out of your roof’s lifespan. As a buyer, knowing if a home…
If you’re getting ready to start house shopping, you’ve probably taken a good look at your budget and wondered how much house you can afford. Maybe you’re asking yourself if you can afford a Sacramento mortgage at all! There are…
Did you know that the United States Department of Agriculture, USDA, has a home loan program? The USDA Loan is an option that is backed by the USDA and offers buyers the chance to purchase property in certain areas without…
If you plan to purchase a home around Sacramento, you have probably started to research the best mortgage options to make the most of your money. When looking at your home purchase, you have to consider both the actual cost…
If you have been shopping around for different mortgage options around Sacramento, you’ve likely come across the FHA Loan. This mortgage is administered by the Federal Housing Administration. It allows home buyers to purchase a home with a low down…
Refinancing is common practice for homeowners, and it’s often a smart financial move. It can lower your payment, reduce your interest rate and more. But when it’s not the right time to refinance, it can be an unnecessary effort or…
When buying a Colorado Springs home, most people use a conventional mortgage. This requires the home buyer to put down some amount of money, called a down payment, on the purchase. This is represented as a percentage of the overall…
