How to Buy a Home with No Money Down
If you want to buy a home but don’t have the cash on hand for a down payment, a down payment assistance (DPA) program may help. As of 2022, more than 2,000 DPA programs were offered through local, state, and…
Pay High-Interest Debt with a Debt Consolidation Refinance
If you are carrying a lot of high-interest debt, it can be overwhelming and cause a massive blow to your monthly budget. But the good news is that, if you have equity in your home, a debt consolidation refinance may…
Top 5 Most Common Homebuyer Questions
Buying a new home is a huge milestone that comes with tons of excitement. But as you go through the process, it can become a bit overwhelming. When you look at all the moving parts of the home buying process⎯from…
Interest Rates: How a 2-1 Buydown Impacts Mortgage Payments
As the housing market shifts and mortgage rates rise, home sellers, builders, and loan officers get creative in attracting more homebuyers. One incentive that is currently making a comeback is called the 2-1 buydown, also known as a temporary buydown.…
Step 1 to Buying a Home: Meeting with a Mortgage Broker
You’ve decided that you’re ready to purchase a house. You’ve started looking at listings online, you’re visiting open houses, and maybe you already have a real estate agent showing you homes. But many home shoppers miss a crucial first step…
Buying a Home & Cost of Living in El Dorado Hills, CA
El Dorado Hills, California, just might be the “gold” standard of Sacramento-area communities, and it is undoubtedly one of the most popular! Located on the western side of El Dorado County, it offers a small-town feel with new-construction homes and…
How to Get a Mortgage When Changing Jobs
One of the key factors in getting approved for a mortgage is demonstrating financial stability. So it’s no wonder that people who’ve changed jobs shortly before starting—or even during—the process of buying a home often worry that a career change…
How to Buy a California House with Less Than 20% Down
When it comes to the mythical down payment for purchasing a house, the number that comes up a lot is 20%. And while it’s a good number to shoot for, it’s by no means a hard, universal rule. In fact,…
10 Reasons to Buy a California Home
For us Californians, the answer to the question, “Why should I buy a home here?” is pretty obvious: “Because California’s awesome!” Our beaches are famous, our cities are as vibrant as they come, our expanses of natural beauty are breathtaking,…
2021: The Future of the California Housing Market
It’s been a busy year for the Sacramento housing market. Although homebuyers have been migrating here for years, 2020 created even more opportunities for many to move further away from real estate hot spots like the Bay Area. The wave…
