Starter Home vs Forever Home

Here’s a fun Friday night activity to do with your significant other. When you think you wanna buy a home independently, make a list of all of your wants and needs, then present them to one another and go point by point on why each of you are outta your F***ing mind. Yes that’s actually…

Whoops I married my rate

Here’s one of my least favorite mortgage sales cliches: You marry the house but you date the rate. Every loan officer when rates are high If you’ve never heard this before, it’s trying to convey to a nervous buyer that they’re keeping the house for the long term (marriage) but can refinance out of the…

Why the 20% Down Payment is a Home Buying Myth

This has gotta be the greatest whodunnit in the real estate game. At some point, someone said that to buy a home, you need a 20% down payment and enough people repeated it, that it just stuck. In this video I do a little myth busting on this Also I go point by point here…

If Mortgages Were Pants, Which Is the Best Fit for You?

Not everything you need to know about mortgages involves FICO scores, basis points, and loan to value ratios. Most people don’t need to fill their head with this kind of jargon anyway…so we’re simplifying it by comparing each major mortgage type to a pair of pants. Why pants? Well most of us wear pants or…

dealing-with-los-angeles-appraisal-issues

What you need to know about home appraisals in Los Angeles when qualifying for a mortgage

The appraisal is an important of the real estate transaction especially when getting a mortgage. We’ll cover some of the most important points here and in the video below: Why is the appraisal important when buying a home and getting financing? How does the appraisal impact a seller’s decision on which offer to go with?…

My Mailman: the unlikely property investment mogul

My mailman’s my hero. Well, actually it was my mom’s mailman from my childhood home in Wilmington. He owned a shit ton of real estate that he gradually acquired over many years. And he diversified too! He had a solid property mix which included single family and multifamily properties in California and Oregon. As time…

Getting Ready to Launch Something Sexy

Guess what’s coming soon? It’s almost too hot to talk about. { ALMOST } Whether you’re in the process of purchasing a new home or looking to refinance, I’m sure you’ve come those horribly lengthy, boring mortgage applications that take forever to fill out. They’re tedious, and ugly, and the last thing from motivating. Well,…

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Let’s take a look at millennials’ financial history

There’s no way around it: you have to build a budget

How much should millennials plan to spend on a home?

What if you fail the 28% rule of thumb test?

What about if you don’t have enough for a down payment?

What else should millennial homebuyers know?

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