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Mello-Roos

In purchasing your new home, your future monthly payments will be made up of principal, interest, real property taxes, and insurance. But what is the tax for the Community Facilities District, otherwise known as a Mello-Roos District? The Land Title Assoc... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Refinancing With Cash-Out

If you have lived in your home for a reasonable amount of time and have acquired equity through appreciation and monthly mortgage payments, you may be considering liquidating some of that equity by refinancing with cash out. ​Refinancing with cash out ... Read more

USDA Mortgage Financing

Qualifying for a USDA-backed mortgage guarantee ​ Income limits to qualify for a home loan guarantee vary by location and depend on household size. To find the loan guarantee income limit for the county where you live, consult this USDA map and table. ... Read more

Conventional Mortgage Financing

A Conventional Loan is a type of mortgage that is not part of a specific government program, such as Federal Housing Administration (FHA), Department of Agriculture (USDA) or the Department of Veterans’ Affairs (VA) loan programs. However, conventio... Read more

FHA Mortgage Financing

FHA loans have been helping people become homeowners since 1934. ​Some benefits of FHA loans are: Low down payments Low closing costs Easy credit qualifying Buying your first home? ​ FHA might be just what you need. Your down ... Read more

VA Home Loans

The VA mortgage loans are one of the best and safest methods to use when buying a home. Now even active duty personnel can qualify. If you are a Disabled Veteran, you may qualify for additional benefits on a VA home mortgage loan. The VA Home Mortgage Pro... Read more

Special Financing Mortgage Products

Are you Self-Employed, but can't prove your income? Currently, there are a tremendous amount of Borrowers that make a great living being Self-Employed; however, when it comes to filing your Federal Income Taxes, you have a lot of write offs which lea... Read more

30 Year vs. 15 Year Mortgages

30 Year vs. 15 Year Mortgages Discussions of mortgages often focus on interest rates, but there is a much more basic decision to make. Should you go with a 30 year mortgage term or a 15 year mortgage term? 30 Year vs. 15 Year Mortgages Any discussion o... Read more
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