Borrower's Tips


6 Tips for Keeping Budgets on Track November 17, 2014

6 Tips for Keeping Budgets on Track As holiday season kicks into high gear it's easy to get swept up in the holiday-shopping hysteria But if you plan ahead you can keep spending under control and go into the new year without unnecessary debt Here's how Start saving early Prepare...

Credit and You on Home Loan December 30, 2011

Your credit score is the most important factor in determining what rate you will get from the lender Having a healthy credit score has many benefits higher lines of credit more lines of credit and being trusted by credit institutions To the lender a high credit score means that you...

Employment and Mortgages December 30, 2011

Employment is needed to qualify for a loan since you need to pay the investor back somehow How much you make is not the only thing taken into consideration when looking at your employment but is the most important The duration of your employment is important Working at a company...

Five tips for first-time home buyers July 16, 2014

Five tips for first-time home buyers Whether your dream home is a downtown bachelor pad a suburban family home or a farm in the country there s no denying that buying your first place is a big deal Here are a few tips to help you get ready for what...

Fixed Rate Mortgage Fall Again May 29, 2014

As of today 05-29-2014 Mortgage Rates Fall for a Fifth Week with 30 Year Fixed Mortgage at 4 125 If you haven't re-finance yet now is a good time to consider...

Getting Ready to Sell Your House Checklist February 24, 2015

Zip Through This Getting-Ready-to-Sell-Your-House Checklist If you're thinking of selling your house now is the time to get serious about the prep work While the process can seem overwhelming here's a getting-ready-to-sell checklist that'll take you through the most critical tasks Depersonalize the space Start by taking the home out...

How to Save Money February 10, 2015

How to Save Money Without Really Trying Some of us don't reach our savings goals because the measures we have to take are too drastic But there are reasonable ways to tuck away a little cash Whether it's for that summer trip or next year's holiday shopping here are four...

Insurance October 28, 2014

Do you have all the bases covered if a catastrophe hits Do you know exactly what your homeowners' insurance covers Are you covered in the event of a flood What about an earthquake Use these tips and do your research to make sure you've got all your bases covered when...

Lower Mortgage Rate May 23, 2014

Fed Comments Help Mortgage Rates Investors viewed the news from the Fed this week as favorable for mortgage rates A very light economic data contained no major surprises and had little impact As a result mortgage rates ended the week a little lower Following comments from Fed officials this week...

Lower Mortgage Rate helps the Housing Data May 23, 2014

The housing data released this week reflected improvement With the help of lower mortgage rates April Existing Home Sales posted the first monthly increase this year while April New Home Sales increased 7 from upwardly revised March figures One factor holding back the pace of home sales activity over the...

Making the Switch to Renewable Energy January 27, 2015

Making the Switch to Renewable Energy Does winter - and the high energy costs that come with it - have you taking another look at your utility bill Some consumers have decided solar or wind power is the way to go But is stepping away from electric or gas power...

Mortgage Back Security May 21, 2014

Mortgage rates held almost perfectly steady today despite the potentially important release of last month's meeting minutes from the FOMC the FED That said markets arguably had already reacted to some of today's information during yesterday's trading session when New York Fed President William Dudley alluded to it The most...

Mortgage Rate Lower June 20, 2014

Mortgage rates moved modestly lower again today While that leaves a bit higher than the best rates of this year it enables an important year-over-year milestone On June 20th 2013 bond markets were convulsing and rates were in the midst of what we called The worst 2-day move in 4...

Ongoing Lock or Float Considerations May 21, 2014

The Fed has stayed the course on their 10bln per meeting reduction in bond buying though markets have handled it relatively calmly compared to the days of coming to terms with tapering in 2013 Rates fell significantly in January leveled-off in February and took choppy steps higher in March From...

Protect Mortgage Documents May 13, 2014

8 ways to keep important mortgage documents protected We live in a digital world but that doesn t mean paper has disappeared Social security cards birth certificates wills mortgage note mortgage deed and other important documents still need to be protected What to Protect Not sure which documents are the...

Protect Your Home Year-Round August 28, 2014

Protect Your Home Year-Round with These 8 Maintenance Tips Whether you're a new homeowner or an experienced do-it-yourself around the house these handy tips will help protect your investment year-round Safety first Replace the batteries in all smoke and carbon monoxide detectors It's also a good time to make sure...

Remodeling Projects: Evaluating Cost vs. Value March 24, 2015

Remodeling Projects Evaluating Cost vs Value Home renovations can be tricky You want to improve your space and the way you live in it But you don't want to end up in the red when it comes time to sell Before you splurge on that chef's kitchen or a steam...

What Can You Do To Lower Your Mortgage Rates December 30, 2011

What can you do to lower your rates That s one question that s on everyone s mind when they are looking for a home loan One move you can do is shop around for a lender and see who offers you a better rate but what happens when you...

What Not To Do on Mortgage December 30, 2011

There are things that you could not do when you are taking out a mortgage These things will invariably complicate the process and delay you loan Certain things can also cause you to not qualify for the loan anymore so here are a few things you should avoid 1 Do...

What You Need to Know Before Renting out Your Property September 23, 2014

What You Need to Know Before Renting out Your Property Considering becoming a landlord Here are five things to consider before jumping into the investment-property world Follow the rules Being a landlord can be a legal minefield There are federal Fair Housing Laws local and state housing laws as well...

What You Should Do As A Borrower December 30, 2011

You are ready to do you loan now You have shopped around and found the right rate with a great loan officer who is informative and helpful What should you do to help facilitate the process and make things go as smoothly as possible Here are a few tips 1...

California Mortgage Rates