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Supplemental Tax Bill vs. Secured Tax Bill (& Does My Tax Impound Account Cover Both?)
Supplemental assessments reflect any increase or decrease in assessed value due to a change in ownership or completed new construction. These values become effective as of the first day of the month following the change in ownership date, or the new...
Interest Paid on Home Equity Loans is still Deductible under New Tax Plan
The country’s new tax laws, ushered in by President Donald Trump and his Republican counterparts late last year, will bring many changes to the mortgage industry. Namely, the Tax Cuts and Jobs Act reduces the available mortgage interest deduction from $1...
What is a Mortgage Credit Certificate (MCC)?
Mortgage Credit Certificate Program for first time homebuyers survives the new tax reform! A Mortgage Credit Certificate gives qualified home buyers a dollar for dollar tax credit for part of the mortgage interest paid each year. It directly reduces a homeowner’s...
Veteran’s Administration Loans
Why you should take advantage of your Veteran status for a home mortgage loan. The single biggest barrier to a young couple or any potential buyer for that matter, when buying their first home is saving up for a down payment. With conventional loans, home buyers can...
Monthly Housing Analysis for the City of Danville, CA
The Median Home Price for a single family residence in Danville in December 2016 was $1,213,000. That Median Home Price rose in November 2017 to $1,350,000. But the price declined in December 2017 to $1,322,500. The price per square foot in December 2016 was...
What Analysts Expect from Interest Rates in 2018
Analysts are now starting to take a look at the big questions that will matter in the home market in the coming year. The biggest question being, where will mortgage rates end up in 2018? Mortgage Rates One of the more immediate questions homeowners and...
Home Mortgage Solutions for Teachers
As Bay Area home prices keep going up, home ownership is becoming harder and harder to attain for many of our teachers. They don't know how to buy a home with no way to save for the down payment needed. A new program by Landed.com is offering a unique solutions for...
10 Easy Ways To Instantly Update Your Home
People want to update the feel of their home but not invest a lot of time and money to do so. Sometimes you also need those updates to happen right away (such as when you will soon be hosting guests) and can't wait through major renovations. Here are ten easy ways you...
Jumbo Mortgage Loans
In the Bay Area, many of us hear the term, "Jumbo Loan" due to the high cost of buying a home. However, most individuals and families do not understand what this term means. In the US, there are two main entities (Freddie Mac and Fannie Mae) that provide mortgage...
Danville and San Ramon Retail Changes
This will be the year for some substantial changes within the Danville and San Ramon retail landscape. Each city is going through some seismic adjustment to their retail scene. First, San Ramon is anticipating opening its major shopping center, City Center in...
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...
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...