Residential mortgage lenders use the Debt-to-Income Ratio (DTI) to assess your ability to manage monthly payments. While program...

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....

While buying a home with all cash makes short term economic sense, buying with financing is the only way to build wealth. All Cash...

Investing in real estate with family members isn’t for everyone, but those families who can, will reap a lifetime of rewards. Here are...

This discussion is about the difference between real value versus nominal value. Price inflation is dollar devaluation. A little about...

The California Housing Finance Agency (known as CalHFA) offers a grant program to assist homeowners in the State with building Accessory...

Accessory Dwelling Units (ADUs) are a form of residential housing that have gained significant popularity, especially in California. They...

Down payment assistance programs, also known as community seconds, play a crucial role in increasing access to homeownership for low and...

A reverse mortgage is a financial option designed for senior citizens who are homeowners and looking for ways to supplement their...

Bridge loans are temporary loans providing immediate funds to bridge a gap between two major transactions, in this case the sale of a...

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...

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...