CalHFA MyAccess: Your Key to Affordable Homeownership in California Buying a home in California can feel impossible—high prices, competitive offers, and the struggle of saving for a down payment. But what if you had a built-in advantage that made homeownership…
How to Make an Offer on a House: A Step-by-Step Guide Introduction So, you’ve found the perfect house—congratulations! 🎉 Now comes the big question: how do you make an offer on a house? This is one of the most critical…
How Does Cash-Out Refinance Work? A Complete Guide Introduction Thinking about tapping into your home’s equity? If you’ve built up value in your home, a cash-out refinance allows you to turn that equity into cash. Many homeowners use this option…
CalHFA Financing: Your Guide to Affordable Home Loans in California Buying a home in California is expensive, but CalHFA financing helps make it more affordable. Whether you're a first-time buyer needing down payment assistance, a veteran seeking zero-down financing, or…
ADU Financing in Sacramento: How to Build & Fund Your Backyard Home Accessory Dwelling Units (ADUs) are gaining popularity in Sacramento! Whether you're looking to generate rental income, provide a space for family, or increase your property's value, an ADU…
HomeReady vs. HomePossible: Which Mortgage is Right for You? If you’re a first-time homebuyer or looking for a low down payment option, Fannie Mae’s HomeReady and Freddie Mac’s HomePossible programs offer attractive features designed to expand access to homeownership. In…
The VA IRRRL: A Simple Way for Veterans to Save on Their Mortgage As a veteran and mortgage broker, I’ve not only helped countless veterans take advantage of the VA IRRRL (Interest Rate Reduction Refinance Loan)—I’ve used it myself. When…
Refinancing a Mortgage in Sacramento: Everything You Need to Know Introduction to Refinancing a Mortgage Thinking about refinancing your mortgage in Sacramento? Whether you want a lower monthly payment, better interest rates, or cashing out home equity, refinancing can be…
Unlocking Homeownership in California with Freddie Mac BorrowSmart Introduction to Freddie Mac BorrowSmart Buying a home in California can feel overwhelming, especially with rising prices and hefty down payment requirements. But what if there was a program designed to make…
How Changing Jobs Impacts Your Mortgage Application Introduction Thinking about a new job but also planning to buy a home? You might want to hit the pause button before making a career move. A job change and mortgage application don’t…
