Getting your first mortgage is intimidating – how do you know if you’re getting good terms, and what do you need to do to qualify for financing for your new home? As millennials age – the oldest ones are now in their mid to late thirties – more and more are looking for funds for their first homes. But as a millennial, you probably haven’t seen the mortgage process before, so what do you need
If you’re in need of cash, a VA Cash-Out Refinance loan can help you access additional funds. You’ll essentially take out a new loan, and you can use any extra money to fund whatever it is you need. If you have a current non-VA backed loan, you also have the option to refinance that property to take advantage of better rates and terms. You’ll have to pay fees for your new loan, no matter where
VA mortgages are designed to support veterans and active service members buying a home, with the goal being to help each get into a house that they can afford, without needing to worry about having a down payment ready. But VA benefits also extend to surviving spouses of veterans and other service members. If you are a qualifying surviving spouse looking for a home in Orange County, CA, a VA loan can help you and
You have a bunch of plans coming up, from fall vacations to renovating several rooms in your house. But rather than draining your savings account or emergency funds, what if you could get the money to pay for these things by refinancing your home? A cash-out refinance mortgage can be the easiest way to utilize the equity you already have in your home to access extra cash for all of your plans. If you live
If you are a veteran and are interested in refinancing your existing loan, whether you’re looking for new terms or some cash on hand for a project, a VA Cash-Out Refinance loan can help you reach your goals. Like VA loans for purchases, you’ll have low or no down-payment requirements, and your loan will be backed by the VA. But what do you need to do to get a VA Cash-Out loan? These are four
If you’re in need of extra cash, why wouldn’t you look to your biggest asset, your home, to access some? A cash-out refinance loan allows you to replace your current mortgage with a new loan that is higher than the amount you currently owe on your home. That extra money becomes cash that you can use any way you like. Because a cash-out loan is different from a traditional refinance, you’ll have different application requirements
You typically have two options for buying a house: paying cash or getting financing. With Orange County, CA home prices as high as they are now, most people take the latter approach. But financing your home with a mortgage means you must first come up with the down payment. How much house you want to buy and what state your personal finances are in will affect your down payment, so what can you expect your
If you’re shopping for property in Southern California, then you know the competition is high for a consistently low inventory, driving buyers to look for more affordable options. And maybe you found it, that diamond in the rough: a fixer-upper in Corona, California. The listing price is right, the potential is there, but first, you’re going to have to figure out how to make it liveable. Given that the cost of work required could range
Are you a veteran shopping for a new home in Orange County, CA? Then you need to be aware of some of the differences regarding VA loans for properties in Southern California. VA loans are guaranteed by the federal government so that you, the borrower, can avoid added costs of private mortgage insurance. Plus, because the government is securing these loans, lenders can offer far better terms to you, such as no down payment. But
If you’re looking for a home in Orange County, CA and you’re a veteran, there’s one type of financing you need to consider above all others: a VA loan. A VA loan is designed specifically for the needs of active and veteran service members and their families. With a VA loan, you could have zero down payment and favorable terms that allow you to keep your finances in balance. But where do you find a
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