The first and most important factor to consider when buying a house is, quite simply, whether you can afford it. Is your income rising, remaining stable or is it decreasing? If it’s either of the […]

Time is not on your side when it comes to an escrow. The mortgage process can be a bureaucratic, complicated gauntlet that punishes today’s borrowers more often than not. One of the many factors that […]

Depreciation, mortgage insurance and other factors can affect owning a rental property. In fact, if you’re financing another property while you have a mortgaged rental space on your schedule, your rental may count as a […]

It’s no surprise that banks are coming up with innovative ways to elicit new mortgage business. The following tricks are ethically questionable: 1. Getting your contact information The first trick banks use is associated with […]

Purchasing a home in Sonoma County has never been easier. However, houses still sell for an average of $700,000 here, making careful planning a must. Here are six mistakes that all prospective home buyers should […]

If you’re looking to purchase or refinance a house providing tax returns can sometimes just be inconvenient especially if your tax returns have various extending schedules. Here’s what you need to know if you’re looking […]

When you apply to purchase or refinance a home, the mortgage lender adds your monthly fixed expenses to your housing payment, creating a debt-to-income ratio. When this figure is expressed as your total monthly expenses […]

When you talk to a lender about pre-approval, you’re going to go through a full range of emotions, including anxiety over whether you should buy a home or stay put. Here are five mistakes to […]