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Fannie Mae’s Game-Changing Shift: 95% LTV for 2-4 Unit Properties

Buyers, Homeownership, Investment Property, Mortgage Programs, Refinance / By

Knowing about the latest industry guidelines and shifts can significantly impact your investment strategies in the ever-evolving realm of real estate and financing. Fannie Mae, a prominent player in the mortgage industry, is introducing groundbreaking adjustments to their guidelines, poised to reshape the landscape of multi-unit property investments. Effective November 18, 2023, Fannie Mae is …

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Updated CA Dream For All – Funding and Parameters

Buyers, Homeownership, Investment Property, Mortgage Programs, Refinance / By

The California Housing Finance Agency (CalHFA) is gearing up for Phase 2 of its very exciting Down Payment Assistance (DPA) program called the Dream for All program. This equity share program had some of the most substantial benefits of all the DPA programs. However, within a week, the program ran out of its initial $300M …

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The Smart Move: Buying a House Before Selling Yours in a Tight Inventory Market

Buyers, Homeownership, Mortgage Programs / By

Move-up home buyers are in a commanding situation. Tight inventory has left them in a great position to sell their current home. Despite concerns that home values could drop, they have actually increased and are on track for gains of around 5-10% this year. Of course, low inventory is a double-edged sword. As soon as …

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FHA Loans

Buyers, Homeownership, Mortgage Programs, Refinance / By

For as long as I can remember, FHA loans have played second fiddle to Conventional loans. Conventional loans offer lower mortgage insurance rates, mortgage insurance that gets removed, looser work history and documentation requirements, no funding fee, and less strict property conditions. Clients with solid credit (740+) got a better loan both in the short-term …

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What California Homeowners Should Know About Supplemental Tax Bills

Buyers, Homeownership / By

If you just closed on your new home, you’ve probably got a lot of things on your mind, like home maintenance, homeowners insurance, and property taxes. You may have an escrow account (also known as an impound account) with your lender that splits up your taxes and homeowners insurance into monthly payments rather than a lump sum. …

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