When you apply for mortgage to buy a home, the options can be confusing, even overwhelming. Figuring out which loan is right for you depends on several factors. How long do you plan to hold the loan? How much cash do you have? What is your monthly income and credit score? To make matters more … Read more
My friend Ginny Richards, a senior loan officer at Kind Lending in Ukiah, was just telling me about a new loan program from the California Finance Housing Agency (CalFHA). It’s called the California Dream for All Shared Appreciation Loan, and if you’re a first-time home buyer, it could be worth looking into. What is the … Read more
Many people want simple answers to their simple questions, but sometimes that is not possible. In real estate, as in so many things in life, seemingly simple questions can open the door to complex issues. Here are a few common questions regarding home buying that require a nuanced response. What’s the best amount for a … Read more