⁣ Ok, today we are going to talk about rent to own deals… If you can’t qualify for a mortgage, or maybe don’t have funds for a down payment, there’s another way to achieve home ownership. Instead of buying, consider renting to own. Before entering into a rent to own deal, here are some questions to ask…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about a decade-by-decade retirement plan… Saving for retirement is a challenging but essential goal. Government pensions likely won’t be enough to live on, so it’s up to you to provide a comfortable retirement income. Here is a retirement plan broken down for you, decade by decade…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to review everything you need to know about second mortgages… What is a second mortgage? A second mortgage is an additional loan taken out on a property that’s already mortgaged. Second mortgages are riskier for lenders than first mortgages because they’re in second position on your property's title. As a result, the interest rate on second mortgages is higher. Here’s what you need to know about second mortgages…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about what a stratified market is and what it means to you… If you’re planning to buy or sell a house, you’re probably already familiar with the terms “buyer’s market” and “seller’s market.” In a buyer’s market, there are more homes than buyers, so prices drop and buyers get better deals. In a seller’s market there are more buyers than homes, so prices rise and sellers make more money. But there’s a third type of market, and it’s called a stratified market. Here’s what you need to know…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about how you can save time and money paying your utility bills on your home… Monthly bills are inevitable and predictable. But for some people, bills come as a surprise just when they can least afford them. Here’s 6 tips to save you time and money paying your utility bills…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣ Ok, today we are going to talk about why you need homeowner’s insurance and how it keeps you protected… Homeowner’s insurance is an important and required part of home ownership. Here are the 3 main reasons why you need homeowner’s insurance…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about how to prepare your finances for a natural disaster or pandemic… The thing about crisis situations is that you never know when to expect them. The only way to cope is by being prepared. Here are 4 ways to prepare your finances to help you make it through challenging times…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about the expense of hiring a real estate agent and if it’s really worth it to you… When you’re selling a home, so much money is at stake, you can’t afford to make a mistake. That’s why over 90% of buyers and sellers work with a Realtor. But let’s face it, Real estate commissions are expensive. Are Realtors really worth it? Here’s what good Realtors do to earn every penny of their commissions…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about when it is smart to pay off your mortgage early… Being mortgage-free sounds wonderful. But as with most financial choices, there are pros and cons. Before using an inheritance, a raise or savings to pay off your mortgage early, there are some important things to consider. Here’s 7 things to consider if you want to pay your mortgage off early…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about how to manage your finances during a recession… Nobody welcomes a recession. But if you’re among the fortunate majority that still has an income and a home, a recession can actually be a time of valuable learning and growth. Here are 5 ways to manage your finances during a recession…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about 6 things you need to examine closely in a home inspection… Buying a home is a huge investment, and unfortunately, we’re not all qualified to judge whether a home is worth the money. That’s why it’s essential to hire a professional home inspector. Here are 6 things to pay extra attention to in any home inspection…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣ Ok, today we are going to talk about how to create or update your home office space… The COVID pandemic introduced many of us to working from home. And regardless of being in a pandemic or not, many of us will continue to and have been working from home already. So now’s the time to make your home office as efficient, comfortable and uplifting as possible. Here are 6 ways to make your home office work better…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about an important thing you should do before you buy in an area… test drive the neighbourhood! You wouldn’t think of buying a car without driving it first. And buying new shoes usually involves wearing them around the store a couple of times. So how do you know you’ll actually like the neighbourhood you’re considering, unless you try it out? Here are 4 ways to test drive a neighbourhood… ⁣If you are looking for a top-notch mortgage loan consultant in Pelham call us at, (205) 296-8802.

⁣Ok, today we are going to talk about 5 things to look for and be aware of if they get noted in your home inspection… As any good Realtor will advise you, don’t even think about buying a house without a home inspection. Before you get emotionally attached to a home, invest a few hundred dollars in a thorough, professional home inspection. And if your report includes any of the following issues, consider walking⁣ away. Here are 5 home inspection red flags… ⁣If you are looking for a top-notch mortgage loan consultant in Pelham call us at, (205) 296-8802.

⁣Ok, today we are going to talk about the top three green features buyers look for in a house… Are you looking to make upgrades to your home to make it more energy efficient? Wondering what to invest in that will help with resale? As concern for the environment continues to grow, today’s homebuyers are increasingly looking for green options. Here are the top 3 green features buyers are looking for… ⁣If you are looking for a top-notch mortgage loan consultant in Pelham call us at, (205) 296-8802.

⁣Ok, today we are going to talk about 3 things you need to do before house hunting… Finding for your dream home is a lot easier if you get your finances in shape before you start looking. If you’re thinking about buying within the next year, now’s the perfect time to start preparing. Here are the first 3 steps to take before house hunting… ⁣If you are looking for a top-notch mortgage loan consultant in Pelham call us at, (205) 296-8802.

⁣Ok, today we are going to talk about how to rebuild your finances if you’ve suffered from financial abuse… Being in an unhealthy relationship could be emotionally, physically, or even financially damaging. And according to recent statistics, 99% of domestic violence also includes financial abuse. Here’s what to do if you’re in a financially abusive situation, or if you’re recovering from one…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Ok, today we are going to talk about how to convert a construction loan into a traditional mortgage… If you’re planning to build a house or do a major renovation, you usually can’t qualify for a traditional mortgage because there’s no existing home to use as collateral. What you need is a construction loan, which is based on the projected future value of the completed property. Generally, construction loans are interest-only while the house is being built. Then when construction is complete, you refinance into a regular mortgage. Here’s how the process works…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣ Ok, today we are going to talk about what a force majeure clause is and where or not it applies to your mortgage… “Force majeure” is French for superior force. It’s a term used in legal documents that can sometimes let a person or business get out of a contract. Here’s what you need to know and when it could apply to you…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902

⁣Today we are going to talk about how to buy a house that’s not on the market… In a competitive real estate market, it may be difficult to find the house you’re looking for. And when you finally find it, you could be outbid by another buyer. That’s why many buyers are looking for homes BEFORE they’re listed. Here’s how to buy a house that’s not yet listed on the market…⁣If you are looking for a top-notch loan officer in california call us at, 408-420-902