Mortgages

The Home Equity Playbook

The Home Equity Playbook

What is Home Equity? Home equity seems to be a very simple calculation — the total amount of mortgages owed subtracted from the current market value of a home. Read more ⇢
Get Your Credit Score in Shape Before Buying a Home

Get Your Credit Score in Shape Before Buying a Home

Get Your Credit Score in Shape Before Buying a Home How strong is your credit? Cleaning up your credit is essential before you make any major financial moves. Having a… Read more ⇢
What to Know about Your FHA Mortgage Insurance

What to Know about Your FHA Mortgage Insurance

An FHA mortgage is a loan insured by the Federal Housing Administration. The FHA, an agency of the U.S. Department of Housing and Urban Development, insures loans so that lenders will… Read more ⇢
Understand Your Credit Score and Then Improve It

Understand Your Credit Score and Then Improve It

I have had the pleasure of working with a lot of home buyers in Santa Cruz looking to buy their first home or even their second or third home. I can’t… Read more ⇢
Mortgage Rates and Santa Cruz County Housing Prices Expected to Rise in 2014

Mortgage Rates and Santa Cruz County Housing Prices Expected to Rise in 2014

Even though 30-year fixed rates dropped in the first half of January, many analysts expect fixed mortgage rates to go up somewhat… Read more ⇢
Mortgage Rates Make Your Santa Cruz Home Buying Easier

Mortgage Rates Make Your Santa Cruz Home Buying Easier

The average fixed mortgage rate dropped again last week, according to the Primary Mortgage Market Survey® (PMMS®), providing more buying power and incentive if you are seeking to buy your… Read more ⇢
Will Creeping Mortgage Rates Affect Santa Cruz Home Sales?

Will Creeping Mortgage Rates Affect Santa Cruz Home Sales?

Despite that fact that mortgage rates are slowly creeping higher in Santa Cruz and else where, Freddie Mac reports that they are still low enough to allow high home-affordability for… Read more ⇢
How Much Should You Spend on Your Aptos Home Purchase

How Much Should You Spend on Your Aptos Home Purchase

Buying an Aptos home starts with determining how much house you can afford. While it’s important to be careful of buying more house than you can afford, changes in the… Read more ⇢
Santa Cruz County Homebuyers Should Jump At Prices and Mortgage Rates

Santa Cruz County Homebuyers Should Jump At Prices and Mortgage Rates

Santa Cruz County home-buyers should jump at prices and mortgage rates. Now is the time  to buy with low mortgage rates and still reasonable home prices. Mortgage Rates Currently,… Read more ⇢
Spring Into Action To Sell Your Santa Cruz Home

Spring Into Action To Sell Your Santa Cruz Home

Spring is an ideal time to sell your home in Santa Cruz County This week’s news released in the Freddie Mac U.S. Economic and Housing Market Outlook showed Spring as an… Read more ⇢
2013 and Aptos Home Values – What Lies Ahead

2013 and Aptos Home Values – What Lies Ahead

Have you been wondering what changes and developments in the 2013 Aptos housing market will mean for Aptos home values? If so, you’re not alone. A series of  predictions… Read more ⇢
If You Are Considering a Real Estate Short Sale: Read This!

If You Are Considering a Real Estate Short Sale: Read This!

A Short Sale May Be Your Best Way Out of Bad Real Estate Situation While no one wants to lose their home, the trauma is made far worse by the destruction… Read more ⇢
Lock in Your Mortgage Rate Today!

Lock in Your Mortgage Rate Today!

Have you taken a look at mortgage rates lately? Today’s recently updated survey by Freddie Mac shows 30 year fixed rate mortgages as averaging 3.56%! The… Read more ⇢
Buying a Santa Cruz Home. If a Lender Pulls My Credit, Won’t it Lower My Credit Score?

Buying a Santa Cruz Home. If a Lender Pulls My Credit, Won’t it Lower My Credit Score?

Are you pre-approved for your Santa Cruz home purchase? If not, you need to be, and no, it won’t affect your credit rating. In today’s Santa Cruz County real estate… Read more ⇢
2012 – An Affordable Time to Buy a Santa Cruz Home

2012 – An Affordable Time to Buy a Santa Cruz Home

A combination of historically low mortgage rates and declines in home pricing are resulting in the most affordable home market in two decades. This is great news for home… Read more ⇢

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