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Special Programs for Teachers

Special Programs for Teachers

Civil servants like police officers, firefighters, and teachers often struggle to become homeowners as housing prices in the Bay Area have skyrocketed over the past several years. They can struggle with both having enough income to afford a home along with finding the...

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What is a Mortgage APR?

What is a Mortgage APR?

As a home buyer, you're likely going to obtain a home mortgage.  Many of us look at the interest rates for a mortgage and compare them to find the lowest cost mortgage.  However, mortgage interest rates do not take into account the entire cost of a home loan.  When...

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Find Your Down Payment

Most people looking to find a home struggle with figuring out the down payment. You have a couple options. First, if you are moving into a home within the limits of a FHA Loan then you could manage to purchase a home for only 3% down. Second, if you are Veteran, there...

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Mortgage Industry Consolidation

When an industry shifts, we often see a move towards consolidation. In 2018, the mortgage industry is moving towards consolidation. This happened in the last great recession when mortgage companies were dying and had lost volume. The big one back then was Countrywide...

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How Do I Know Where Mortgage Rates are Heading?

How Do I Know Where Mortgage Rates are Heading?

The Mystery of Mortgage Rates Mortgage interest rates are a big mystery to most people.  Putting aside the obvious influence of your credit score, what drives the baseline mortgage rates up or down?  In order to understand this,you need to know what Mortgage Backed...

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Final 2017 Tax Law Agreement

As we’ve all waited several weeks to hear of the final version of the massive tax law changes, Congress has finally come to an agreement. As it relates to the real estate industry, the biggest impact is that the mortgage interest tax deduction will exist up to...

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