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Although there are numerous mortgage products on the market, they can be divided into two broad categories: variable-rate loans and fixed-rate loans. This article will deepen our understanding of fixed-rate mortgages and when to apply for this type of mortgage loan....

If you’re planning to apply for a mortgage, you have three options to choose from: conventional loans, FHA loans, and VA loans. Each one has its own advantages and disadvantages, so it’s best to read through their differences to see what works best for you.  What is a...

Finding the ideal property is only half the battle unless you can pay for it entirely in cash. The second part is determining which sort of mortgage is right for you. You'll most likely be repaying your mortgage over a lengthy period, so it's critical to choose a loan...

Maintaining a good credit score is essential for anyone trying to get through their responsibilities in life. Your credit determines everything from the loans and rates you get to the quality of your cellular plan and utilities. Naturally, anyone taking out a house...

Credit scores can tell a lot about a person, especially when lending companies are concerned. Since high-value purchases demand less risk for lenders, they prioritize choosing borrowers with reliable payment practices. Because of this principle, borrowers typically...

When you’re looking to buy a home, you must first consider what type of home loan you should be applying for. And during this process, you may disregard VA home loans due to some secondhand horror stories you’ve heard about VA loan applications. But the things you’ve...

Even before the pandemic hit, many people in California were already self-employed, but this number increased even more once COVID-19 was in full swing.   If you are self-employed and considering obtaining a mortgage, you may be concerned about how your financial...

Having money for a down payment is important when buying a home. It’s one of the few upfront costs you need to prepare for. If you’re concerned that you don’t have enough money for a down payment yet, don’t worry; we will help you get that money in the bag in no...

Generally, the main process that people follow when transitioning between or upgrading their homes is that they’re required to sell their old home first before qualifying for a new mortgage.  From a practical perspective, the “unload to reload” approach is a...

When it comes to a house, this question always comes up: which is better, rent or purchase? For many, owning a property is worth it because it provides a sense of security and stability. On the other hand, you won’t get this when you choose to rent. In this post,...