Why a pre-approval is essential for smart homebuyers.

Posted on August 31, 2016 at 11:52 am

“Don’t worry – I’m totally pre-approved!” is something Realtors hear all the time. But then when it comes down to writing an offer on the home of their dreams, they’re exposed when the financing portion of their paperwork comes up. In reality, they may only be pre-qualified, not pre-approved, or maybe they only spoke to […]

Read More

Trended Credit Data set to impact those applying for a mortgage. But will it help or hurt consumers?

Posted on August 20, 2016 at 10:59 am

There is a profound change to credit reporting taking place, and it could effect how people qualify for a mortgage. Starting September 2016, Desktop Underwriter Version 10 (DU) will roll out, an automated underwriting system lenders will use to gauge the risk versus “lendability” of consumers applying for a mortgage. The big change with this […]

Read More

The 17 biggest mistakes Realtors make (part 2)

Posted on August 9, 2016 at 1:36 pm

In the part one of this blog, we covered the first eight mistakes that drive Realtors out of business, including the fear of “no”, choosing the wrong broker, and not creating systems, among others. In this blog, we’ll cover the next nine mistakes that can send you out of business as a Realtor. If you […]

Read More

A timeline of mortgage history in the United States.

Posted on August 3, 2016 at 7:52 am

Most homeowners have a mortgage, but few every wonder where they came from. In fact, this lending product that allows someone to buy a home while putting down only a small percentage of the purchase price has been around for a really long time! The word ‘mortgage’ itself brings us back through history. The etimology […]

Read More

Answering the top 10 Googled questions about mortgages (part 2)

Posted on July 27, 2016 at 8:13 am

Each month, about 4 million U.S. homeowners and loan shoppers go to Google for answers to their top mortgage questions. So in part one of this blog, we covered the first five most popular mortgage search queries on Google. Here are the next results of the top 10 Googled questions about mortgages – with our […]

Read More

20 Facts to Recognize The Sacramento Association of Realtors

Posted on July 22, 2016 at 12:45 pm

For those of us who work closely with the real estate community in Sacramento, we’re constantly impressed by the work the Sacramento Association of Realtors does to support their agents, empowering them to do a great job for home buyers and sellers. To recognize and thank them for their outstanding work, we’ve decided to  highlight […]

Read More

10 Things to consider before using an online mortgage lender

Posted on July 14, 2016 at 8:36 am

It starts out innocently enough, with a good-intentioned homeowner or buyer going online to Google: “Best mortgage interest rate” or something similar. Always looking for the best deal (like we all are), the home loan shopper instantly is flooded with thousands of paid ads, as well as over 14 million search results, all guaranteeing the lowest interest […]

Read More

10 Things you should know about Federal Housing Administration (FHA) loans

Posted on July 6, 2016 at 7:18 am

All about the the FHA Started in 1934, the Federal Housing Administration (FHA) is a government agency that aims to help more Americans access home ownership. They do this by insuring mortgage loans made by other lenders, easing their risk and therefore allowing for a wider range of people to qualify. The FHA officially became […]

Read More

The 17 biggest mistakes Realtors make

Posted on July 1, 2016 at 12:37 pm

Being a real estate agent may be one of the most rewarding careers we can imagine, but there’s no denying it’s not always all glamour and big commission checks. In fact, Realtors work harder extremely hard and often sacrifice their nights, weekends, and family time, with no guarantees of a six-figure income – or anywhere […]

Read More