How Does the Prime Rate Impact Loans?
In 2022, the prime rate went up by 4 points, going from 3.5% to 7.5%. This happened because the Federal Reserve wanted to better manage inflation. By July 2023, the prime rate had gone up to 8.5% But what does…
What Makes a Sacramento Mortgage Broker Trustworthy?
Choosing the right mortgage broker or lender is a critical step in the Sacramento homebuying process. Your financial well-being and the success of your homeownership journey depend on finding a trustworthy partner. In this blog post, we’ll delve into the…
Adapting Your Home: Renovate or Relocate?
As life evolves, so do our household needs. From new family members to an empty nest, change is inevitable. But when change comes knocking, should you renovate your current home or uproot and relocate to a bigger, better house? Let's…
Sacramento Mortgage Rates and Trends: What You Need to Know
When it comes to purchasing a Sacramento home or refinancing your existing mortgage, understanding mortgage rates and trends is essential for making informed financial decisions. As a mortgage professional, I’m here to shed light on this crucial aspect of the…
How to Navigate the Sacramento Homebuying Process
Are you ready to take the exciting leap into homeownership around Sacramento ? As a mortgage professional with years of experience in the real estate market, I understand that purchasing your first home can seem overwhelming. However, with the right…
What Should I Do First: Sell My Home or Buy a New Home?
If you are moving due to a new job, relocating cities, needing a larger or smaller home, or any other reason, it can be tricky to time things just right. Should you keep your current home while you move or…
Midsummer Home Maintenance To-Do List
Summer is a season synonymous with clear skies, free time and fun outdoor activities. But you know what is also great about summer? It can be an ideal time to perform a number of vital home maintenance tasks. Rather than…
What Credit Score Do I Need to Get a Mortgage?
Generally, a credit score of 620 or higher will get the best terms for a mortgage. A higher credit score can make the underwriting and approval process faster and easier, as well as get a better interest rate. A higher…
How Long Does It Take to Buy a Sacramento Home?
The exact time that it takes to buy a Sacramento home (from the home search process to turning the key and walking into your new home) can vary. Generally, it’s best to estimate 2-3 months for the home search process…
Your First Steps to Buying a Home in Sacramento
If you’ve been dreaming of owning your own Sacramento home, you may be ready to start looking for something with a dreamy master bedroom, plenty of outdoor entertaining space, and a killer setup for streaming Monday Night Football. But there…
