Joint Tenancy vs. Community Property
Most California married couples own their homes as "joint tenants," because they want the surviving spouse to own the entire home, without any formal court proceeding to confirm the transfer.…
What is Title Insurance and why do I need it?
I find that many home buyers and borrowers lack a fundamental understanding about title insurance. While most past clients have admitted to briefly discussing the topic with their real estate…
Closing Costs when buying a home
One of the first questions most homebuyers ask is “What are the closing costs?” It's an important discussion, because buyer's are often stretched to come up with more than…
Indio Refinance – 5 Tips to Help You Get the Best Mortgage
This article offers tips on how to get the best mortgage and lowest interest rate on a La Quinta Refinance.
Indio Purchase Mortgage – Some Do’s and Don’ts and Great Tips to Help You Get the Best Loan
This article offers tips on how to prepare for purchase a new home, and how to get the best mortgage and lowest interest rate on a La Quinta Purchase Mortgage.
Understanding No-Cost Mortgages
Is it really possible to get a mortgage and pay no points or closing costs? Yes and no . . . The reality is, you won’t pay any closing costs…
Should I Impound my Taxes and Insurance?
Is it better to impound my property taxes and homeowners insurance into my monthly mortgage payment? Many of our clients prefer to have their taxes and insurance impounded in their…
What is an FHA Streamline Refinance?
The FHA Streamline Refinance is a special mortgage product, reserved for homeowners with existing FHA mortgages. Homeowners with conventional mortgages via Fannie Mae or Freddie can't use it. FHA…
Should I Lock or Should I Wait?
When buying a new home or refinancing, how will I know when to lock my mortgage rate? "Interest rates rise like a rocket and fall like a feather." This old…
Palm Springs Refinance – 5 Tips to Help You Get the Best Mortgage
When it comes to refinancing in Palm Springs there's no "one-size fits all" solution. Here are some tips on how to get the best loan and the lowest rate.