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12 Credit and Financial Tips Just in Time For the Holidays

The holidays are fast approaching, and while it’s a wonderful time to be with family and friends, and give back to our fellow human beings, it’s also a time of year that can be treacherous financially. For many households, there is a huge spike in spending and debt between Thanksgiving, Christmas or Hanukkah and New […]

Balancing the seesaw of home prices and mortgage interest rates.

If you look at data for the housing market over time, you’ll notice that home prices and mortgage interest rates usually work like they’re on opposite ends of a seesaw. Typically, when mortgage interest rates are at their lowest, it usually means home prices are on a steady incline to towards their peak. And when […]

12 Ways President Trump may impact real estate, housing and mortgages.

Eight years ago during the 2008 Presidential race, the housing market was a huge topic for debate, as the nation was in the midst of a real estate and mortgage market collapse and Great Recession. How much things have changed since then, as real estate, mortgages and housing was barely ever mentioned on the 2016 […]

Mortgage and Homebuying Myths and Facts!

Myth: Interest rates represent the true cost of my mortgage Fact: Your interest rate is just one part of the total equation that determines the real cost of your mortgage, which includes the cost and fees of the loan, etc. It’s better to look at your APR – Annual Percentage Rate – to see the […]

Why a pre-approval is essential for smart homebuyers.

  “Don’t worry – I’m totally pre-approved!” is something Realtors hear all the time. But then when it comes down to writing an offer on the home of their dreams, they’re exposed when the financing portion of their paperwork comes up. In reality, they may only be pre-qualified, not pre-approved, or maybe they only spoke […]

Trended Credit Data set to impact those applying for a mortgage. But will it help or hurt consumers?

There is a profound change to credit reporting taking place, and it could effect how people qualify for a mortgage. Starting September 2016, Desktop Underwriter Version 10 (DU) will roll out, an automated underwriting system lenders will use to gauge the risk versus “lendability” of consumers applying for a mortgage. The big change with this […]

The 17 biggest mistakes that Realtors make (part 2)

In the part one of this blog, we covered the first eight mistakes that drive Realtors out of business, including the fear of “no”, choosing the wrong broker, and not creating systems, among others. In this blog, we’ll cover the next nine mistakes that can send you out of business as a Realtor. If you […]

A timeline of the mortgage history in the U.S.

Most homeowners have a mortgage, but few every wonder where they came from. In fact, this lending product that allows someone to buy a home while putting down only a small percentage of the purchase price has been around for a really long time! The word ‘mortgage’ itself brings us back through history. The etimology […]

Answering the top 10 Googled questions about mortgages (part 2)

Each month, about 4 million U.S. homeowners and loan shoppers go to Google for answers to their top mortgage questions. So in part one of this blog, we covered the first five most popular mortgage search queries on Google. Here are the next results of the top 10 Googled questions about mortgages – with our […]

20 Facts to Recognize The Sacramento Association of Realtors

For those of us who work closely with the real estate community in Sacramento, we’re constantly impressed by the work the Sacramento Association of Realtors does to support their agents, empowering them to do a great job for home buyers and sellers. To recognize and thank them for their outstanding work, we’ve decided to  highlight […]