Loan Level Pricing Adjustments & Credit Bank Changes- What You Need To Know

On May 1, Fannie Mae and Freddie Mac made changes to loan-level pricing adjustments (LLPAs) that have been applied to conventional loans since the Great Recession. Most conventional mortgages that lenders want to sell to Fannie and Freddie will now be subject to the new fees. The fees don’t apply to first-time homebuyers with qualifying income that’s […]

Don’t Let Rising Inflation Delay Your Homeownership Plans

If you’re thinking about buying a home, experts say owning a home is historically a good hedge against inflation. Let’s chat if you are ready to start the home buying process today. Just send me an email or call 619-888-2117.

Why Inflation Shouldn’t Stop You from Buying a Home in 2022

If you’re following along with the news today, you’re probably hearing a lot about record-breaking home prices, rising consumer costs, supply chain constraints, and more. And if you’re thinking about purchasing a home this year, all of these inflationary concerns are likely making you wonder if you should wait to buy. Investopedia explains that during a period of high inflation, […]

4 Surprising Things Real Estate Photographers Have Seen in Homes for Sale

Article From: Apartment Therapy We all have that house we’ll never forget. Real estate photographers tour countless houses, capturing a home in its best light to produce invaluable images that will make or break a home’s sale. I spoke with real estate photographers from across the country about some of their most memorable photoshoots, and their […]

6 Simple Graphs Proving This Is Nothing Like Last Time

Last March, many involved in the residential housing industry feared the market would be crushed under the pressure of a once-in-a-lifetime pandemic. Instead, real estate had one of its best years ever. Home sales and prices were both up substantially over the year before. 2020 was so strong that many now fear the market’s exuberance mirrors […]

What Does Homeowners Insurance Cover?

You’d be surprised at what your home insurance policy doesn’t cover. Here’s what is and isn’t covered by your insurance. What does your homeowners insurance cover? The short answer is: “A basic homeowners insurance policy (called HO-1 in insurance lingo) covers your home and possessions if they’re damaged or destroyed by these things: Fire […]

Beat The Heat This Summer

From Energy Upgrade California: Air Conditioners and Home Cooling Two-thirds of all homes in California have air conditioners. Air conditioners use about 4% of all electricity produced in California. As a result, roughly 585 million metric tons of carbon dioxide are released into the air each year. Energy-Efficient Air Conditioners and Home Cooling Make the […]

A Guide to Mortgage Interest Rates

Mortgage interest rates are a mystery to many of us—whether you’re a home buyer in need of a home loan for your first house or your fifth. After all, what does “interest rate” even mean? Why do rates swing up and down? And, most important, how do you nab the best interest rate—the one that’s […]