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Homebuyers May Get More For Their Money This Winter

Buyers, Homeownership / By

With the current housing market’s record-low inventory and all-time-high price tags, waiting for more favorable conditions would seem like the smart move for homebuyers. However, historical data and current trends suggest, however, that shoppers who sign early this winter are likely to get a better deal. According to an article published by Mortgage News Daily analyzing the past 7 …

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Know How Your Numbers Work When Applying for a Mortgage

Buyers, Homeownership, Mortgage Programs, Refinance, Self employed / By

When it comes to getting a lender’s approval to buy or refinance a home, there are 3 key numbers that affect your ability to qualify for a mortgage and how much it will cost you — your credit score, debt-to-income ratio, and loan-to-value ratio. Here’s a rundown of what they are and why they matter. Credit Score You’re …

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Conforming Loan Limits Will Increase Nearly 7.5%

Buyers, Homeownership, Self employed / By

Last Tuesday, the Federal Housing Finance Agency (FHFA) announced that conforming loan limits will increase from $510,400 to $548,250 in 2021 marking the fifth straight year of loan limit increases. Most counties in California will now have high balance limits as well, these can be as high as $822,375. For context, a conforming loan is a type of mortgage that …

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