Preparing for California Dream for All Home Buying Program Relaunch: Learning from Past Mistakes

The much-awaited California Dream for All Home Buying program will be returning, bringing new opportunities for first-time homebuyers to achieve their dreams of homeownership. To ensure a smoother experience this time around, let’s look at three crucial mistakes made during the program’s previous launch in spring 2023. By understanding these pitfalls, buyers can better prepare […]

Low Down Payment Options for First-Time Home Buyers

You are considered a first-time homebuyer if you haven’t had any form of ownership in any home in the last three years. This means, you may still be eligible as a first-time homebuyer even if you owned a home at some point in the past. If you own investment property will not qualify as a […]

Mortgage Points: Should You Pay to Lower Your Interest Rate?

With mortgage rates near their highest point in over a decade, some homeowners are now looking into how to get a lower interest rate. One option would be to pay points upfront to lower the interest rate for the term of the loan. What are mortgage points? Discount points, also known as “points,” are an […]

How to Reduce a Mortgage Rate When Buying a Home

Are buyers starting to set anchor while on the fence?  Here’s a creative solution to having them finally jump into the market… Real Estate markets are finally balancing out, and buyers are starting to see more and more negotiating room, including seller credits and/or (gasp!) price reductions! One way to provide an incentive to buyers […]

How to Shop For a Mortgage

When you start the homebuying process, you should know that you have options regarding your mortgage. There are many important factors to consider in a purchase transaction, including loan terms, turn times, program fit, ease of underwriting, and service. In a competitive market, your impulse may be to move quickly to secure the home you want […]