Can a Short Sale After Bankruptcy Hurt My Credit?
California has been hit hard over the last 5 years. Challenges with the economy, job loss, lay offs and a slow recovery has forced many homeowners to file for bankruptcy protection to help stop the...
View ArticleRising Home Values Help Owners Avoid Mortgage Insurance
Since 2008 home values have slid to incredibly discouraging lows for most California home owners. Many homeowners fell victim to economic challenges as well, resulting in bankruptcies, mortgage...
View ArticleUnderwater Streamline Refinance into a Conventional Loan
For upside down homeowners that have a FHA mortgage right now, the Streamline Refinance loan is one of the most effective tools available for taking advantage of today’s historically low interest...
View ArticleBoomerang Buyer Options After Bankruptcy
Boomerang Buyer is a term used to describe the thousands of families that fell victim to foreclosure, short sale or deed in lieu of foreclosure as a result of the great Real Estate Market Crash that...
View ArticleHow Are Credit Scores Calculated?
Your credit score, also called a Fair Isaac (FICO) can be generated for anyone with at least one credit trade line reported and updated within the last 12 months. The actual formula for calculating a...
View ArticleHome Buyer Patience is Key to 2013 Real Estate Market
The 2013 real estate market has brought with it yet another layer of complication for home buyers that have left many frustrated and on the verge of giving up the dream of homeownership. Where Have All...
View ArticleHow Much Will Permanent FHA Mortgage Insurance Cost Me?
P-Day is here On June 3rd, 2013 FHA made the Annual Mortgage Insurance Premium on every new mortgage permanent for the life of the loan in most cases. If you already have a FHA mortgage, you don’t have...
View ArticleCalSTRS Home Loan Update
When is the CalSTRS home loan coming back? Scott Schang, Frank Casarez and Eric Bryant answer this question from a listener of Keeping it “Real” Estate on the FindMyWayHome.com Network. In Spring of...
View ArticleNotice To Perform Removal Of Contingencies
Contingency Period Question A listener asks, how long after a notice to perform does the buyer have to sign off? Scott Schang, Frank Casarez & Eric Bryant discuss contingencies and all their...
View ArticleHow to Value Your Home for Sale
Scott Schang, Frank Casarez and Eric Bryant discuss how pricing your home for sale can influence demand and affect the final sales price on the Keeping It “Real” Estate show on the FindMyWayHome.com...
View ArticleFirst-Time Home Buyer Assistance Programs
Alex, a first time homebuyer asks about assistance loans. Scott Schang, Frank Casarez and The RE Coach talk about the availability of first tome homebuyer programs. What is a First Time Homebuyer...
View ArticleImportant Changes to CalHFA CHDAP Assistance Program July 1st, 2013
This week, the California Housing Finance Agency has announced important changes to the California Homebuyer’s Downpayment Assistance Program (CHDAP). California Homebuyer’s Downpayment Assistance...
View ArticleFHA Mortgage Insurance Compared to Private Mortgage Insurance
Mortgage insurance allows home buyers and homeowners to take out a home mortgage loan for greater than 80% of the value of the home that is being used as security for the loan. One of the many victims...
View ArticlePrivate Mortgage Insurance Saves the Day?
Homeowners Have More Options As home values rise in a real estate market that has stripped so many California homeowners of their equity, there is finally a light at the end of the tunnel for those...
View ArticlePatient Homeowners Take Advantage of Freak Market
Home values in the State of California have been in an uncharacteristically steep rise since the beginning of the year 2013. While many worry that this steep rise in home values is a sure sign of...
View ArticleHow Risky Are Adjustable Rate Mortgages?
Adjustable Rate Mortgages, or ARMs, are a valuable home mortgage financing option that can offer a wide range of extremely secure solutions for the right person. Adjustable mortgages got a bad name in...
View ArticleLess than a 3% Chance of HARP 3.0?
HARP Refinance Options The Home Affordable Refinance Program (HARP) offers underwater homeowners the ability to take advantage of market conditions resulting in long term mortgage interest rates being...
View Article2013 Home Buyer Survival Guide
Interest Rates Spike Home buyers waiting for interest rates to hit rock bottom to purchase their next, or first home, have been sent into a tailspin wondering what happened during June and July 2013....
View ArticleCHF Platinum Grant for California Homebuyers
The CHF Platinum Grant program was created to increase homeownership opportunities for low to moderate income home buyers in the State of California. This Grant program provides qualified homebuyers...
View ArticleTips for Buying in a Competitive Real Estate Market
Today’s real estate market presents some very unique challenges. With interest rates rising, buyers are scrambling to take advantage of affordable home prices before the cost of financing goes too...
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