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Category: Lending

Are You A Veteran Struggling To Find A Mortgage in California? You May Have Overlooked Your Best Option

Buying a home can be stressful enough, and when it comes to securing financing for that home, your anxiety can quickly rise. But if you are an active service member, veteran, or surviving spouse, your search for a home mortgage should be simple: look to VA loans. VA loans offer veterans several advantages, such as: No down payment No private mortgage insurance (PMI) Easier qualifying criteria Lower required credit scores If you’re shopping for a

Part 3 of 4 of getting cash from your home – How Much Money Can You Get With A Cash Out Refinance?

A cash-out refinance can be a pathway to making improvements on your home, paying off other debts, and even just for taking a vacation. By taking out a new loan worth more than your original mortgage, you can start putting that extra cash to use however you want. But just how much money can you get with a cash-out refinance? When setting your goals for your cash, you also want to make sure you’re not

Part 2 of 4 for Refinancing: Using A Cash Out Refinance To Renovate Your Home

Renovating your home doesn’t come cheap. Depending on whether you are focusing on the exterior or interior, and which rooms you want to redo can have your costs ranging anywhere from $8,000 to $80,000. So how can you go about getting the money to make improvements to your home? With a cash-out refinance, you’re taking out additional cash on top of what you owe on your mortgage, which can be a great way to make

How To Get Cash Out Of Your Home – 1 of 4 part series on getting cash out of your home

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

How To Get A Loan As A First Time Home Buyer

Buying your first home is full of excitement. You can probably already envision enjoying sunny days in your Southern California backyard and the changes you’ll make to turn the house into your home. But before you can start packing, you’ll need to figure out a way to pay for that home. As a first-time buyer, it’s in your best interest to find as much trustworthy help as possible when shopping for a home. This will

What You Need To Know Before Buying A Foreclosure

If you’re shopping the Southern California real estate market, it’s no surprise that home prices keep going up. But what are your other options if your goal is homeownership? It’s at this point that many people in the home buying process start thinking about foreclosures. You may get dazzled by the seemingly low cost of these properties, with dreams about how you’ll renovate that rundown space into a dream home. In reality, it’s important to

4 Reasons To Get A Cash Out Refinance Loan

When you find yourself in need of some extra cash on hand for a big project or a goal, you may be overwhelmed by the different loan options available to you. But are you overlooking your single most significant asset when considering taking on additional loans along with your mortgage? A cash-out refinance can let you take out a new loan while giving you extra money for your immediate needs. By taking out some extra

Go Green With A VA Cash-Out Refinance Loan

Is your home in need of a facelift? Old appliances and outdated systems can have your home running in less-than-peak efficiency. While your old products may look dated, they likely aren’t working as well as they once did, which can quickly make your utility bills skyrocket. Instead, focusing on ways to make your home greener and energy efficient means newer appliances and systems that take advantage of technology upgrades, and a lower monthly bill for

2018 VA Mortgage Limits Increase

VA loans are designed as benefits to help active servicemembers, veterans, and their families find a path to homeownership. While these brave men and women serve our country, they can also struggle with finances, credit, and debt upon returning from service. Qualifying veterans and families are entitled to VA loans, and they’ll get the benefits of no required down payment, less stringent credit requirements, and no required mortgage insurance. This is because the government has

5 Ways A VA Loan Can Help You Settle In A New Home

One of the hardest obstacles to overcome when searching for a home is coming up with the money required for a down payment. In order to assist veterans, those in active service, and their families, the Department of Veteran’s Affairs offers home loans with easy terms – including no down payment – allowing those who have served the country and their families to have a home of their own. These are five benefits that a

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