Removing Mortgage Insurance

Removing your Mortgage Insurance can save you hundreds a month and thousands per year. By this time, it is well known that the real estate and mortgage markets went on an absolute tear since 2020. Home price appreciation has been at its all-time high during an unbelievably short period of time.

Cash Out Refinance- Is There Wind in Our Sails?

Bottom line upfront: The wind has been at our sails for over a year. Now its time to grab an oar and start rowing. By this time everyone is well aware that drastic measures were taken across the board at the beginning of the coronavirus pandemic in 2020.

Rates Are Pressured Upwards, What Should I Do?

Just in the month of March alone, some mortgage programs experienced rate increases of +1.0% or more (depending on the loan scenario). Many are asking us directly, and we bet more are asking themselves privately, “What do I do now?” In this article we will address some things you may need to consider now…

Not All Offers are Created Equal

The real estate market over the last two years has been the hottest we have historically ever seen. With that has come a wild variety of buyer offers, buyers outbidding one another, waiving contingencies on appraisals and home inspections, and even overbidding well above the market value just to get in a property…

The Feds Interest Rate Decision

Wednesday March 16, Jerome Powell and the Federal Reserve announced their interest rate increase of 0.25%. After months of speculation and shifting opinions on where they would finally lay their decision, we now know what we’re facing in the immediate timeframe…

Mortgage Rates in The Age of Geopolitical Uncertainty

It is all but set in stone that the Fed will raise their short-term rate in March. During testimony on Wednesday March 2, 2022 Fed Chairman Jerome Powell said he still sees interest rate hikes up ahead as “implications for the U.S. economy are highly uncertain” from the Ukraine war.

Russia Ukraine and Mortgage Rates

As if the Federal Reserve wasn’t juggling enough factors these days, the Russia Ukraine situation could muddy up those waters even more. There has been much speculation about the Federal Reserve increasing their short-term interest rate in March 2022 and numerous times throughout this year.

Remodel or Renovate Your Kitchen With a Cash Out Refinance

The market has swiftly shifted in 2022 and homeowners have begun reassessing their home projects on the horizon. In an increasing interest rate environment, and home equity still hovering at all time highs, many homeowners are moving up their kitchen remodel projects.

Multi Unit Purchase in San Diego

The case for multiunit home purchase in San Diego, CA

You may have heard that multiunit properties are all the rage in 2022. This rather “new” trend actually got its start years ago for 2 primary reasons which we will investigate as the premise for why you should purchase a multiunit property in San Diego, CA in 2022.

Sitting on more equity than ever?

By this time everyone knows 2020 and 2021 was the largest real estate equity surge on record. With home prices hitting all-time highs and mortgage rates hitting all time lows, the bulk of attention in real estate was directly pointed at purchase and rate & term mortgage loans.