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Tag: interest rates

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Impact of Fed’s Rate Increase on Mortgage Rates

Impact Of Fed’s Rates Increase On Mortgage Rates So you want to know what happens to mortgage rates when the Feds increase rates? Since mortgage rates respond to market forces, you need to know that the Federal Reserve influence mortgage rates indirectly. Sometimes, mortgage rates increase when the Fed increases short-term rates. This happens because the central bank’s operation set the tone for most other interest rates in the economy. However, mortgage rates don’t always

Business

Buying A Home In A Higher Trending Interest Rate Market

There is still good news despite currently being in a higher interest rate market. And that is that we’re still at levels that are historically low overall. Therefore, if you’re not buying a home with cash, you probably want to know if you can afford a home when interest rates are rising. Without a doubt, there is a lot more than interest rates to factor in when buying a home – location, structural condition, and

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

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 Old appliances and outdated systems can have your home running in less-than-peak efficiency.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

What Is A Short Sale

Are you seeking out a deal in the booming Southern California real estate market? If so, you may have come across listings marked as “short sale.” But what exactly is a short sale? Put simply, it’s when a property is sold for less than the outstanding mortgage on it. In theory, a short sale sounds like a simple choice – who doesn’t want to get a bargain deal – but in reality, the process of

What Is The Process Of Getting A VA Loan?

If you served or are serving in the military, or are the surviving spouse of a veteran, you may be eligible for a home loan from the Department of Veteran’s Affairs (VA). These loans are designed to offer easy terms from the start of the mortgage process to homeownership, in order to get those who have served into homes quickly and affordably. But is the process of getting a VA loan the same as conventional

The Best Loan Programs For First-Time Home Buyers

For first-time buyers, the entire process of purchasing a home can feel overwhelming. And it is! But luckily for first-timers, there are loan programs available designed to make this process easier when it comes to financing your home. Some specialized loan programs come with specific requirements, while others are open to anyone who qualifies. And the best part? Some of these programs will help you get into a home with no money down. For most

The Importance Of A Home Inspection

  With all of the moving parts involved in a real estate transaction – and their related costs – home buyers are sometimes tempted to forego their right to certain steps meant to protect them. Unfortunately, because a home inspection adds additional cost and a longer wait, buyers sometimes think that the inspection can be skipped – after all, the seller told you everything was in order, right? Skipping the home inspection can be one

4 Loan Programs With Low – Or No – Down Payment

The prospect of purchasing your own home can be one of the most exciting times of your life – until you see how much you’ll need for a down payment, that is. Add in closing costs – for real estate in Riverside, Orange, or Los Angeles County you could be looking at 1% of your loan, or more – and the upfront burden may be overwhelming. Most conventional loans require between 3-20% down, with your

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