FHA 203K Home Loan

FHA 203K Home Loan Folsom & Sacramento, CA The FHA rehab loan program, otherwise known as the 203(K), has been requested more and more by our clients, so I think it’s a good time to talk about it here. The 203(K) is broken into two programs, the Streamline and the Full. This loan program can [...]

The Real Truth About Rent vs Buy

The Real Truth About Rent vs Buying in Sacramento, CA In the United States, there is somewhere around $13.1 trillion in total value of the equity held by over 75 million U.S. homeowners, according to the latest estimates from the Federal Reserve Board. And that works out to almost $175,000 per owning household. This is undeniable [...]

Clean Hard Water Spots

Clean Hard Water Spots from Dishes For many reasons, you should remove hard water stains from glasses and dishes. Not only the dirty appearance it gives, but it can affect the health of your family. What are Hard Water Spots? Hard water is water with a high amount of mineral deposits like lime, silica, and [...]

How to Pick a Mortgage Professional in Sacramento

How to Pick a Mortgage Professional How to Pick a Mortgage Professional in Folsom, El Dorado Hills and Greater Sacramento As you know, buying a home can be exciting and hopeful but it can also be emotional. The Mortgage Professional or Loan Officer you select to start the process can be critical. It’s advisable to [...]

HUD Announcement Reduction in Mortgage Insurance

NEWS ALERT: HUD ANNOUNCEMENT REDUCTION IN MORTGAGE INSURANCE This is great news coming out of Washington! As the nation’s housing market continues to improve, U.S. Housing and Urban Development Secretary Julián Castro, announced the FHA will reduce the annual premiums new borrowers will pay by half of a percent.  It is projected to save about [...]

6 Out of Top 10 Hottest Real Estate Markets are in the West

6 Out of Top 10 Hottest Real Estate Markets are in the West - Sacramento is #4! Top 10 Metro Housing Markets According to Realtor.com, who predicted a minor slowdown for the U.S. real estate market next year, most of the hottest metro markets are going to keep blazing in 2017. And where do they [...]

How to Have the Greatest Year Ever

How to Have the Greatest Year Ever I believe you can make next year your best year ever. Life doesn’t have to be hard, and you don’t have to be bored. It really comes down to being intentional. If you mean what you say and are motivated to get what you want, taking action with [...]

History of Mortgage Rates

The History of Mortgage Rates (1981 - 2016) You may be inundated with lenders tooting their horns about the near record low mortgage rates we experienced all of 2016. You hear it so often that you’ve tuned out. Well, it’s hard to appreciate where we are today if we don’t look at the past. So [...]

Before Buying a Home in Sacramento

8 Things to Do Before Buying a Home in Sacramento Buying a home is an intense process, especially so for first-timers. In some areas of Sacramento County there is competition for homes on the market. They can get snatched up quickly, so being prepared is prudent. In the El Dorado County areas, homes tend to [...]

Donald Trump Presidency and the Housing Market?

What Does a Trump Presidency Mean to the Housing Market? Well, we, the people have spoken and Donald J. Trump was elected as the 45th president of the United States Change was demanded from the rural areas and that is what we will have. It was unexpected by even his campaign team! But it was [...]