Tag Archive for: mortgage

Land Contracts Explained: How to Make Them Work for You

Refinancing from a land contract into a traditional mortgage allows buyers to take advantage of potentially lower interest rates, consistent payment structures, and legal protections offered by traditional mortgages. However, the process involves factors such as equity evaluation and borrower qualification.Read More

How To Get Pre-Approved For A Mortgage

A pre-approval is a way to be a step ahead when it comes to house hunting and a requirement for all homebuyers who plan to use a mortgage loan.Read More

When The Ultra-Wealthy Don’t Qualify For Mortgages

WHY GO THROUGH HELL IF I CAN JUST WRITE A CHECK FOR THE ENTIRE PROPERTY? I had dinner last night with an extraordinarily successful woman who made this comment about […]Read More

Why Inflation Makes Your Fixed-Rate Mortgage An Asset

Dave Ramsey is a financial guru who encourages paying off all debts, including our mortgages. Here are Ramsey’s 7 Steps for taking control of our finances. A lot of other […]Read More

Can I Still Get A Home Loan With A Low Credit Score?

A critical factor that influences a person's eligibility for a mortgage is their credit score. But what if you have a low credit score? Are you not going to qualify for a loan? This is a widespread concern among homebuyers with low credit scores. However, it's also a tough question to answer because every loan scenario is unique. Here's an overview of how your credit score affects your home loan application.Read More

Shopping For A Mortgage With JVM Lending

Whether you're purchasing a home or refinancing an existing mortgage, it's crucial to get the best deal possible. At JVM Lending, we make it easy with our Mortgage Calculator. Enter the details of your loan to receive rates and closing costs instantly and specific to your situation. We're a local, unique, and experienced mortgage firm based in the Bay Area and serve surrounding areas like Sacramento as well as Texas.Read More

How To Get A Home Loan In 7 Steps

Getting a home loan is easier than most prospective homebuyers often realize. Prospective homebuyers can get a home loan in these 7 easy steps!  This blog breaks the entire housing process down and explains what homebuyers will need to to successfully close a home loan for a real estate purchase. Read More

Godzilla vs. Bambi; Zillow vs. JVM

In the classic 1969 film, Godzilla vs. Bambi, the action only lasts for 90 seconds as Godzilla stomps Bambi into oblivion with a single step. But, that was in 1969. […]Read More

What Does “PITI” Mean for California Borrowers

Lots of borrowers are unsure what “PITI” means when it comes to their home loan. PITI is a common term used within the mortgage industry to describe the four factors that impact a loan. PITI (pronounced “pity”) stands for:Read More

30-Year Loan vs. 15-Year Loan: Which One is Right For You?

When it comes to fixed-rate mortgage loans, borrowers are usually faced with two choices: a 30-Year Fixed-Rate Mortgage or a 15-Year Fixed-Rate Mortgage. There are some key differences between these two loan types that will play a role in deciding which one is the best fit for borrowers.Read More