California’s tappable home equity slips in second quarter
California’s tappable home equity eased in the second quarter as several key markets saw softening appreciation, according to data from Intercontinental Exchange. The Golden State held $3.229 trillion...
View ArticleOwn 2 homes? What is and what is not mortgage fraud
Federal Reserve Governor Lisa Cook stands accused by the Trump administration of mortgage occupancy fraud, claiming two owner-occupied properties in 2021. U.S. Sen. Adam Schiff is being accused by the...
View ArticleHow 4 exotic mortgages can help unconventional borrowers
If you want the cheapest mortgage rate, you must meet certain underwriting standards from mortgage giants Fannie Mae or Freddie Mac. For example, you must prove your stable income with W2s, tax returns...
View ArticleTiming your refinance: Should you wait for Fed rate cuts?
This week the Freddie Mac 30-year fixed interest rate averaged 6.35%. Sam Khater, Freddie Mac’s chief economist, noted the 15 basis point-drop from last week was the largest weekly drop in a year....
View ArticleMortgage applications explode as interest rates drop
The biggest news is not that the Fed cut short-term rates by one-quarter percent earlier this week with more to come, but that mortgage applications exploded, increasing nearly 30% compared with one...
View ArticleHow to avoid overpaying for escrow and title insurance
If you want to make your home purchase just a little more affordable, focus on the transaction costs. You may not be able to do much about the home price because you and the seller must come to a...
View ArticleHow to find a buyers’ real estate agent and negotiate the commission
Last week we explored escrow and title insurance pricing. Today’s tips are on finding your best buyers’ real estate agent and negotiating the commission. Starting with the buyers’ realty agent, if you...
View ArticleHow to shop for a mortgage loan originator
Last week’s column explored finding a buyers’ agent and negotiating commissions.Today’s features tips on mortgage shopping. Mortgage shopping can be a complicated and time-consuming process. Here’s...
View ArticleHomebuyers will spend at least $1,500 before escrow closes
Homebuyers, you will have to spend roughly $1,500 or more, upfront, just to learn if the escrow on the home you are attempting to buy and its finances are going to close. Is there any way to protect...
View ArticleHomebuyers, do you finance now or wait for Fed to drop rates?
Can you make homeownership more affordable by waiting out an interest rate drop? Plenty of borrowers are sitting on the sidelines waiting for home prices to flatten or drop further in ZIP codes already...
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