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08 Sep

Introduction If you’re looking to buy a home, you probably have your eye on something that you think will make your life easier. Maybe it’s a three-bedroom apartment in the city or an open-concept two-bedroom house in the suburbs. Whatever it is, though, if there’s one thing, we all want from our homes it’s affordability—and the best way to achieve that is with an adjustable-rate mortgage (ARM). It sounds complicated but they’re pretty simple. Here's everything you need to know about this type of loan: Adjustable rate mortgage An adjustable-rate mortgage (ARM) is a type of loan that allows borrowers to make payments based on the index, which changes over time. When an ARM was first introduced, it allowed homeowners to lock in their interest rate for up to 15 years. Today, ARMs come in many different forms and can have terms as long as 30 years or longer. The most common types of ARMs are: ...

10 Aug

What does Accessory Dwelling Unit mean? Accessory Dwelling Unit, or ADU.  is a separate dwelling that's on the same piece of land as a single-family house or a multifamily residential property. They are also known as granny flats, in-law suites. ADU's are allowed on single family properties where you can carve some space from the existing house footprint to create a unit. Accessory dwelling units can also be a fantastic opportunity to create extra housing in our housing strapped landscape, as well as provide you with an opportunity to create income and cash flow without having to buy a whole separate property. In this article we will discuss about Accessory dwelling units, rules & regulations in California. In September 2021, Governor Gavin Newsom signed Senate Bill Nine (SB Nine), also referred to as the Home Act. This law went into effect on January 1, 2022, and is making it possible in many parts of California to allow...

05 Aug

Refinancing your home loan could save you money over the long term. It also gives you the opportunity to lock in a low interest rate for the next few years. You need to be careful when choosing a financial institution. Some may appear cheap, but they may end up costing you more money over the long term. Understand the Benefits of Refinancing. If you’re thinking about refinancing your home loan, there are several benefits to consider. Refinancing allows you to take advantage of current market rates. Refinancing can help you avoid paying high fees when you close on your new loan. Refinancing can give you access to better terms than what you currently have. Refinancing can allow you to lock in a lower interest rate for the next three to five years. Finally, refinancing can make sense even if you aren’t planning to move anytime soon. The benefit of refinancing depends on how much of...

04 Aug

Mortgage brokers in California are licensed professionals that assist home buyers in finding the best loan for their needs. They also provide advice on how to finance a new home and other valuable information. If you are looking for a mortgage option in California, we can help you with your dream home. We are in San Ramon and have a vast network with multiple lenders in California. We are not tied with any lenders so we will always look for better options that are best suitable for your Mortgage requirements in California. Mortgage Brokers In California Will Help You Find the Best Loan for Your Situation. Whether you're buying a home with cash or financing through a traditional lender, we can help you find the perfect loan for your needs. We'll Provide a Free Consultation to Guide You Through the Process. If you're looking to buy a house, our mortgage brokers will guide you...

03 Aug

What are the Advantages of Mortgage Broker? Let's talk more about mortgage brokers. I often get the question, well, if I use a mortgage broker, isn't it going to cost me more money? And I enthusiastically tell people the opposite is we're going to be able to save you money. And I love to propose that clients of mine and I shop together. Let's find out what's going on out there, which helps validate what we're doing. Before we dig into the advantages you need to read this funny quote about mortgage brokers We're doing for you And in some rare cases, when someone has a private banking relationship, we'll look at what you're being offered out there, and we'll help you get it. Even if not, we're doing it for you. This is a long-term relationship we're looking for. We want you to know that we're here, we're on your side, and that...

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