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Secrets to a Great VA Home Loan

Anyone that has chosen to serve the USA through military services both presently and in the past is usually eligible for a VA loan. This loan is backed by the Veterans Affairs and is specifically reserved for those that have actively served. THANK YOU, BY THE WAY!! Without you, we would not enjoy the freedoms we have. I love helping military families find and purchase the right home. VA loans have so many benefits that anyone that has served and is eligible should definitely look into this type of financing.There are multiple benefits to VA loans that other types of loans [...]

How to Do a Cash-Out Refinance on a Rental

You have a rental property. You don't want to give it up but you do want to refinance it because rates are low and you may have purchased the property when rates were high. Or, you're just looking to pull some money out of the rental property to either improve that home or maybe your primary residence. Whatever the reason, there are some tricks to refinancing a rental property. If your rental property has increased and equity over the last few years you might want to pull some of that money out for a variety of reasons. Maybe you want [...]

When Should I Lock in a Mortgage Rate?

When is the right time to lock in a mortgage rate? This is an open-ended question. I've had people ask me when the best time is to lock in their rate even the best time of day or the day of the week. But the best time to lock in a mortgage is usually when the unexpected happens. Any unforeseen shifts in the market are some of the best times to lock in a mortgage. You want to lock it in when it is the lowest that you can go for that time period. It's kind of like trying to [...]

Can I Buy a House with Poor Credit?

Maybe 2017 is the year you buy a house. They could happen! You've been wanting it for some time but you've also been struggling with poor credit or a bad credit score. Maybe that pork credit score came from an ex-spouse or someone else that may have damaged your credit history or report. Maybe you've been trying to get it back where it should be over the last few months and now you'd like to look into the possibility of owning your own house. Many people think that if they have poor or bad credit homeownership is simply not even [...]

Should I Refinance Before Rates Go too High?

If you are among the nearly 87 million homeowners in the United States, at some point, you've probably thought about refinancing unless you've just moved into your new home. Refinancing does a lot of different things, and it all depends on why you are refinancing. If you purchased your home back in 2007 or 2008, it might be time to take a different look at your home loan. You might consider pulling some money out for home improvement, sending a kid to college, changing your terms or lowering your monthly payment. Refinances are still very popular. Over 7 million or [...]

How to Get Rid of Mortgage Insurance or a 2nd Mortgage

As values have gone up over the past couple of years it might be a good time to look into eliminating your mortgage insurance. If you purchased a home through an FHA loan or other type of mortgage that required mortgage insurance because of a low to zero down payment, the mortgage insurance will not automatically drop off and will carry on the life of the loan. These mortgage insurance premiums can range in price depending on the loan and length. The FHA upfront premium is 1.75% of the loan and is usually rolled into your monthly mortgage payment. [...]

Dog Grooming Contest in Pasadena

You may have recently seen on social media of the pictures or videos of dogs that have been groomed to look like other animals or even other items. At the Creative Grooming Competition at the Groom Expo West, Poodle lovers and all types of dogs participate in the annual show, which this year was held February 16 through the 19th at the Pasadena Convention Center at 300 East Green St. We went last year and had so much fun,  we made a point to attend and see the creative grooming again. This show is not just a Grooming Expo but also [...]

Tips for Single Women Home Buyers

This is or should not be an uncommon occurrence, but I do have a lot of women that come to me wondering if they really can buy a house by themselves. Of course! No one says you must own property with another person. But, you DO need to be able to afford it on your own, and that's where I come in. Single women are more than twice as likely to purchase a home than single men, according to the National Association of Realtors. They made up 16% of homebuyers in 2016. If you're planning on buying a home this year [...]

How to Buy a House When Your Partner Has Bad Credit

Oh my, you know it. You spouse or partner has racked up too much credit card debt and his or her credit score is in the toilet. But now you want to make the ultimate purchase together and you're afraid their credit will harm your chances or cause you to get poorer terms. So, what can you do? First, you need to determine if you even need their income to qualify. If you don't, you can always add them to the title once the mortgage closes. But you need to know that they will be obligated to the mortgage as [...]

Getting a Mortgage in 2017? Here's What You Should Know

Getting a Mortgage in 2017? Here’s What You Should Know

Trying to find accurate news and information these days seems like a wild goose chase. You never know who to believe anymore and if you hear something you have to check the source and then crosscheck it with other reputable sources. It really becomes a frustrating battle to find out what's real and what you can count on. As a professional in the mortgage and finance industry, it is my job, duty, and passion to give you the correct information 100% of the time. I want to give you the news as it's happening, changes that you might be expected [...]

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