loans in california: Three Questions to Ask Before Investing in Real Estate - 07/22/19 07:39 AM
 
How can I increase my rate of return?  The cornerstone of any smart investment strategy is to calculate your rate of return.  With real estate this is done by running the numbers using an internal rate of return (IRR) formula that takes into account: Present Value (PV) - what am I paying out of pocket to get into this investment? Term (N) - what's my timeline and how long am I going to hold this investment? Periodic Cash Flow (PMT) - what's my monthly cash flow? Future Value (FV) - what are my net proceeds (after expenses) when I sell … (2 comments)

loans in california: Summer 2019 Guide to Mortgage Rates - 06/03/19 09:20 AM
 
Mortgage rates are determined by the supply and demand for mortgage bonds in the bond market.
Why Mortgage Bonds? When you get a mortgage in the US, your mortgage company is getting the money from Fannie Mae, Freddie Mac or other "securitizers". These "securitizers" get their money by issuing bonds to bond market investors.  These bonds are called "mortgage bonds" or "mortgage-backed securities".  Therefore, the mortgage rate you pay is really determined by the supply and demand for mortgage bonds in the bond market.

The Role of the Federal Reserve As you can see from the chart, the Fed owned … (1 comments)

loans in california: 4 Questions to Ask Before Choosing a Mortgage or Buying a Home - 08/13/18 08:24 AM
 
These four questions can help you make smarter mortgage and housing choices:
Why is it better to buy a home right now vs. renting a home?  Buying a home usually requires more upfront capital, more ongoing expenses and a longer-term commitment.  Make sure to run the numbers with a professional to evaluate whether you'd be better off buying vs. renting. How can I make sure this fits into my short-term and long-term budget?  Make sure to compare your options when it comes to: Choosing a down payment amount and strategy Choosing a monthly payment scenario Choosing a price range for … (1 comments)

loans in california: 3 Things You Can Do to Better Prepare for College Expenses - 06/25/18 07:07 AM
In the last 10 years, students themselves have gone from paying 30% of college costs, to paying close to 50% of their own college costs.  This has resulted in driving up the outstanding student loans in the US from $350 billion to a staggering $1.2 trillion over the past 10 years.  The interesting thing is that high-paying jobs are certainly no guarantee after college, and 11.1% of all student loans were more than 90 days delinquent in the first quarter of 2015.  Here are three things you can do right now to help your children or grandchildren prepare for the first … (4 comments)

loans in california: Home Loans |Union City | Alameda County - 04/15/16 05:43 PM
Rent Payments Can Really Add Up!
No matter how much you pay in rent, you might be surprised what it adds up to over the years. Investing your money is a wiser financial choice. With the current home prices and mortgage rates, this is an excellent time to look into buying your own home in Union City, California.
Common Concerns of Renters and Homeowners - Advantages and Considerations
BUYING
Property builds equity
Responsible for maintenance
Tax deductible mortgage interest*
Responsible for property taxes
Free to change decor and landscaping
Responsible for hazard insurance
Not dependent on landlord to maintain property
RENTING
Landlord is responsiblefor maintenance
No equity gains
Landlord is responsible forproperty taxes
Rent payments are … (0 comments)

loans in california: Home Loans |Walnut Creek California | Contra Costa County - 03/07/16 02:49 PM
Rent Payments Can Really Add Up!
No matter how much you pay in rent, you might be surprised what it adds up to over the years. Investing your money is a wiser financial choice. With the current home prices and mortgage rates, this is an excellent time to look into buying your own home in Walnut Creek , California.
Common Concerns of Renters and Homeowners - Advantages and Considerations
BUYING
Property builds equity
Responsible for maintenance
Tax deductible mortgage interest*
Responsible for property taxes
Free to change decor and landscaping
Responsible for hazard insurance
Not dependent on landlord to maintain property
RENTING
Landlord is responsiblefor maintenance
No equity gains
Landlord is responsible forproperty taxes
Rent payments … (0 comments)

loans in california: Home Loans |Pleasant Hill California | Contra Costa County - 02/25/16 06:57 PM
Rent Payments Can Really Add Up!
No matter how much you pay in rent, you might be surprised what it adds up to over the years. Investing your money is a wiser financial choice. With the current home prices and mortgage rates, this is an excellent time to look into buying your own home in Pleasant Hill , California.
Common Concerns of Renters and Homeowners - Advantages and Considerations
BUYING
Property builds equity
Responsible for maintenance
Tax deductible mortgage interest*
Responsible for property taxes
Free to change decor and landscaping
Responsible for hazard insurance
Not dependent on landlord to maintain property
RENTING
Landlord is responsiblefor maintenance
No equity gains
Landlord is responsible forproperty taxes
Rent payments … (0 comments)

loans in california: Home Loans |Orinda California | Contra Costa County - 02/18/16 09:25 PM
Rent Payments Can Really Add Up!
No matter how much you pay in rent, you might be surprised what it adds up to over the years. Investing your money is a wiser financial choice. With the current home prices and mortgage rates, this is an excellent time to look into buying your own home in Orinda , California.
Common Concerns of Renters and Homeowners - Advantages and Considerations
BUYING
Property builds equity
Responsible for maintenance
Tax deductible mortgage interest*
Responsible for property taxes
Free to change decor and landscaping
Responsible for hazard insurance
Not dependent on landlord to maintain property
RENTING
Landlord is responsiblefor maintenance
No equity gains
Landlord is responsible forproperty taxes
Rent payments are … (0 comments)

loans in california: Home Loans |Martinez California | Contra Costa County - 02/15/16 07:19 PM
Rent Payments Can Really Add Up!
No matter how much you pay in rent, you might be surprised what it adds up to over the years. Investing your money in a home may be a wiser financial choice. With the current home prices and mortgage rates, this is an excellent time to look into buying your own home in Martinez ,California.
Common Concerns of Renters and Homeowners - Advantages and Considerations
BUYING
Property builds equity
Responsible for maintenance
Tax deductible mortgage interest*
Responsible for property taxes
Free to change decor and landscaping
Responsible for hazard insurance
Not dependent on landlord to maintain property
RENTING
Landlord is responsiblefor maintenance
No equity gains
Landlord is responsible forproperty … (0 comments)