Save for Down Payment or Pay Off Debts. Which is More Important and Why?
Residential mortgage lenders use the Debt-to-Income Ratio (DTI) to assess your ability to manage monthly payments. While program...
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JAY BRIGGS, CFA, CMB
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jay80956
Jan 301 min read
Timing Your Home Purchase January 2024
If you think interest rates will fall in 2024, as I do, you really should not be waiting for rates to fall before purchasing your home....
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jay80956
Jan 203 min read
Buying a Home with Cash vs Financing
While buying a home with all cash makes short term economic sense, buying with financing is the only way to build wealth. All Cash...
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jay80956
Jan 53 min read
Pitfalls and Joys of Investing in Real Estate with Family Members
Investing in real estate with family members isn’t for everyone, but those families who can, will reap a lifetime of rewards. Here are...
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jay80956
Jan 52 min read
How Using Debt Can Counter Inflation for the Borrower
This discussion is about the difference between real value versus nominal value. Price inflation is dollar devaluation. A little about...
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jay80956
Dec 19, 20231 min read
Grant Money is Available to Build Your ADU
The California Housing Finance Agency (known as CalHFA) offers a grant program to assist homeowners in the State with building Accessory...
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jay80956
Dec 19, 20232 min read
What are ADUs and Why Are They Popular?
Accessory Dwelling Units (ADUs) are a form of residential housing that have gained significant popularity, especially in California. They...
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jay80956
Nov 21, 20234 min read
What is and How Do I Get Down Payment Assistance?
Down payment assistance programs, also known as community seconds, play a crucial role in increasing access to homeownership for low and...
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jay80956
Oct 7, 20232 min read
Who Would Benefit from a Reverse Mortgage
A reverse mortgage is a financial option designed for senior citizens who are homeowners and looking for ways to supplement their...
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jay80956
Oct 7, 20232 min read
How Bridge Loans Make Buying Before Selling Possible
Bridge loans are temporary loans providing immediate funds to bridge a gap between two major transactions, in this case the sale of a...
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jay80956
Sep 25, 20231 min read
Why Higher Interest Rates are Not Crashing Home Prices
It comes down to supply and demand. It was over 22 years ago when mortgage rates were last in the current range, recently over 7%. This...
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jay80956
Sep 13, 20231 min read
Welcome to Navigating Mortgages Blog
Hi Everyone! I want to sincerely welcome you to this blog. I wish I had started this blog a decade ago. In most aspects of my life, I...
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