Your Trusted Guide for Mortgages & Real Estate
Mortgage Insurance (MI) can set off alarm bells for first-time homebuyers. Homebuyers are not automatically required to pay for mortgage insurance just because they are first-time homebuyers. MI...
“Title” refers to the legal ownership of a property. Title insurance is a California policy that new homeowners can take out to protect against claims from past occurrences on the property.
Buyers in don't need a perfect credit score to get a loan in California. Having a high credit score can help buyers secure a loan with a lower interest rate. However, today’s loans have more...
Much more competitive Adjustable Rate Mortgages (ARMs) are coming to the market now for a variety of reasons. So, I wanted to briefly discuss reasons to take an ARM over […]
INTERNAL TECHNOLOGY FAILS Back in 2012, a large mortgage bank aggressively recruited JVM to join its ranks, touting its internal Loan Origination Software as a major plus for joining. Their […]
We received a tremendous amount of positive feedback in response to yesterday’s blog about ordering appraisals immediately; we will definitely continue the practice. Some agents said that our...
Home inspections are non-invasive inspections that are used to give buyers a greater understanding of the condition of the home they are looking to buy. Home inspections tell buyers the true state of...
We order every appraisal as a “rush” as soon as we receive a ratified purchase contract. WHY WE ORDER APPRAISALS IMMEDIATELY: 1. It ensures that we can close very quickly […]
When it comes to the down payment in California, buyers always want to know how low they can go. The industry standard is that down payments will be 20% of the property’s purchase price. This...
WHAT IS A NON-QM LOAN? After the 2008 meltdown, the Dodd-Frank Bill imposed minimum standards for mortgages and created a “Qualified Mortgage” (QM) definition. QM loans are almost all of...
An ARM Loan (Adjustable-Rate Mortgage) is exactly what it sounds like: it’s a mortgage loan that has an interest rate that can change, or adjust, over time. Rates usually hold for a certain amount...
WWII LEADERS LACK COMBAT EXPERIENCE Prior to WWII, far too many Allied military leaders lacked combat experience or were simply way out of touch. I am reading Goodbye Darkness about […]
First-time homebuyers often have questions about earnest money deposits. Here’s a breakdown of everything buyers and sellers should know about earnest money deposits and how they are used in a...
Here are a few things that often delay escrows unnecessarily. We warn buyers about all of these issues repeatedly, but the problems resurface time and again anyway. Hence, we like […]
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