How to Save Up for a Down Payment

As rent goes up, it becomes harder and harder to save up for a down payment. But it’s not impossible. It’s important to be debt-free before you start saving for a down payment and to have 3-6 months of expenses in your savings as a backup. So once you have that done, you can follow…

Common Misconceptions About Buying a Home

Buying a house is a big deal. It’s most likely the largest purchase you’ve made to date, so it shouldn’t be taken lightly. But there are also a lot of common misconceptions about buying a home that we are here to debunk. A 20% down payment is needed to get a mortgage This used to…

How to Buy a House

Buying a house is a big step and a huge financial hit. With these steps, you can be prepared for everything you need to buy a house. Keep in mind that this process takes time. Save up for a down payment This step is absolutely crucial. Yes, there are government programs out there to help…

How Millennials Can Save Up For A Down Payment

How Millennials Can Save Up For A Down Payment Millennials, those born between 1980 and the early 2000s, have had a harder time than previous generations saving up for a down payment for a home. This is because there are high unemployment rates and most of them have large amounts of student loans to pay…

Incentives for First Time Home Buyers in 2017

Incentives for First Time Home Buyers in 2017 Saving up for a down payment on a house can be difficult and take a lot of time. Fortunately, in California, there are a couple of incentives to make buying a home for the first time more doable, such as first mortgage programs, down payment assistance programs,…

15-Year Vs. 30-Year Mortgage

15-Year Vs. 30-Year Mortgage Deciding between a 15-year or a 30-year mortgage can be a difficult decision. 15-year mortgage terms usually have a lower interest rate, so while you’ll be paying the loan back in half the time, you’ll also be paying less interest. Of course, the decision depends on your circumstances. There are three…

Number of Home Buyers Expected to Grow in 2017

Number of Home Buyers Expected to Grow in 2017 A number of real estate analysts believe that the Central Valley housing market will be making a come back in 2017. One of main reasons is because former homeowners who lost their homes in the 2008 recession are able to be homeowners once again. After waiting…

Options For First Time Home Buyers

Options For First Time Home Buyers Saving up for a down payment on a house can be difficult and take a lot of time. Fortunately, in California, there are a couple of options to make buying a home for the first time more doable, such as first mortgage programs, down payment assistance programs, and other…

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