Mortgage Tips & Advice

Thumbnail image for Big Shoes To Fill With FHA’s Back To Work Program

Big Shoes To Fill With FHA’s Back To Work Program

Announced in 2013, the FHA Back To Work Program allows  a buyer repurchase a primary home again just 12 months after a foreclosure, short sale or a deed in lieu […]...

Thumbnail image for Why Its Not Cheaper Or Easier To Refinance With Your Mortgage Holder

Why Its Not Cheaper Or Easier To Refinance With Your Mortgage Holder

Planning to refinance your house? Deciding through the advertisements, telephone solicitations, direct mail can be mean endless choices. Opting to try your mortgage holder? If yes, buyer be aware offers […]...

Thumbnail image for How To Buy A House With No Down Payment And No Monthly PMI

How To Buy A House With No Down Payment And No Monthly PMI

Considering the possibility of buying a home this year? Contrary to popular belief, you need not have a down payment to get your foot in the door. Tips to avoid […]...

Thumbnail image for 5 Tips For Getting A Mortgage To Buy A Condo

5 Tips For Getting A Mortgage To Buy A Condo

Condominiums make an affordable alternative to purchasing a single-family home. As prices continue to rise in Sonoma County and Santa Rosa, purchasing a lower-priced condo makes for an attractive choice […]...

Thumbnail image for What To Know When Buying A Flipped Home

What To Know When Buying A Flipped Home

House hunting? If your appetite for a turnkey renovated home is a flipped house, you may end up jumping through more hoops to close escrow. What Is A Flipped Home? […]...

Thumbnail image for It’s Still Possible To Get A Mortgage Despite A Judgement

It’s Still Possible To Get A Mortgage Despite A Judgement

A judgement, a court ordered nightmare that if not handled correctly can make getting a mortgage loan much more stringent than it otherwise needs to be.  What you’re lender will want […]...

Thumbnail image for What Are High-Priced Loans?

What Are High-Priced Loans?

High priced loans by ‘industry-standard’ is any first mortgage loan that exceeds 1.5% in APR the weekly offered rate for a fixed rate or adjustable rate loan backed offered by […]...

Thumbnail image for Avoid These Mortgage Mistakes When Filing Your 2013 Tax Return

Avoid These Mortgage Mistakes When Filing Your 2013 Tax Return

Pay Uncle Sam and qualify on paper, short Uncle Sam, risk your mortgage loan application. Gambling your financial future, by saving a few bucks isn’t worth the risk. Following Actions […]...

Thumbnail image for 3 Credit Scores No Longer Necessary For Mortgage Lending

3 Credit Scores No Longer Necessary For Mortgage Lending

The standard set by the lending industry is three credit scores are needed for obtaining a mortgage. Reality? That requirement is no longer  the ‘benchmark’. Securing a mortgage without three […]...

Thumbnail image for Paying Off Your Credit Cards May Hurt Your Mortgage Approval

Paying Off Your Credit Cards May Hurt Your Mortgage Approval

You heard it correctly, your credit card don’t have balances, yet your mortgage application can still be in jeopardy. Here’s what mortgage lenders and brokers run into when you have […]...