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
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
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
When you’re applying for a mortgage, you need to provide your income information – including W-2s and paystubs. But what if you’re self-employed? Getting a mortgage when you’re self-employed is entirely possible, although you may be on the hook for more paperwork to prove your income. However, there are also factors in self-employment that may work against you, so it’s crucial that you are prepared to present yourself to lenders in the best light. These
It’s no secret that the Southern California real estate remains hot. The median sales price in Orange County in October 2017 was $786,000 – so why would anyone ever offer more than an already high price? Particularly in active markets, bidding wars can get heated, and in order to win without compromising contingencies or other protections, buyers often make offers above ask. But it’s important to tread carefully when considering how much you should offer
When you’re searching for a home, you have a lot of information to keep track of. You’ll need documentation for your mortgage, information about each house you are considering, and the accumulated paperwork that you’ll eventually need for closing. Losing track of just one necessary item can delay any progress you’ve made towards taking possession of your new home. Luckily, some easy organization techniques can help you keep your relevant information together and will make
Do you plan to sell your current home someday in order to upgrade? Whether you’re a first-time home buyer or you have some experience, building equity on your current home is what can move you into your forever dream home. Equity is the value of the property that you own, so think of it as your home’s worth after accounting for your mortgage principal. As an example, the average price for a home in Riverside
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