Let’s face it, debt isn’t a financial problem, it’s a behavior problem.So becoming debt-free takes more than sound financial strategies,it takes a mindset shift that establishes new wealth-building habits.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Today we're going to talk about how to save for a down payment.Back in the day, you could buy a big house for $100,000. But now it seems like that’s just the price for the down payment. Most of the time, your down payment will be 20%.So on a $500,000 house, that’s $100,000 down! Even a $300,000 condo would require a $60,000 down payment.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to venture beyond the usual “money” topic, and talk about your health…Did you know that just 20-30 minutes aerobic exercise a day actually increases brain health and function?Regular aerobic exercise—like walking—is a proven way to increase cardiovascular health.There’s evidence that walking may also reduce symptoms of mild cognitive impairment, sometimes called vascular dementia.Here’s how to walk your way to a better brain…If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Have you ever wondered if it’s better to pay off your credit card debt instead of building your savings account? If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Purchasing a house is a big step.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Real estate investing can be a great way to your build assets and achieve financial security. However, in order to be profitable, you need to the many landmines that kill your profits.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Renovating your home can be an effective way to increase its resale value. But not all renovations are created equal—and none are guaranteed to repay 100% of their cost. However, by renovating strategically, you can increase your selling price enough that a significant portion of the renovation costs are passed on to the future owner.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about 5 mistakes to avoid when buying a home…Buying a home can be exciting, stressful, easy or difficult depending on the market, time of year, etc. But no matter when or where you buy, you can still encounter challenges if you’re not prepared.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Have you ever wondered if the way you habitually think is helping or hindering your ability to attract wealth and prosperity?Well, recent studies indicate that we can actually unwittingly sabotage our ability to achieve financial security.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about saving for a down payment and how to know when you can afford to buy a home.Experts say the cheapest, most efficient way to buy a house is to make a 20% down payment. But today, that’s a huge amount of money! If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about how you can protect your home while you are away on a vacation...At this point, you’ve made your plans, booked your trip and are looking forward to a week or two away from work. But while you’re thinking about what to pack, give some thought to home security. Is your home protected while you are away? Do you have a security camera or neighbors looking out for you? If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about how to buy a home, even if you have bad credit…Obviously, if you have good credit, it’s easier to qualify for a mortgage. But that doesn’t mean home ownership is out of reach if you have bruised credit.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

OK, today we’re going to talk about the BIG “A” word… AMORTIZATION that is! The length of time it takes you to pay off your entire mortgage is called the amortization. But don’t fall prey to the misconception that a longer amortization is better. In most cases, the opposite is true.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

OK, today we’re going to talk about the importance of getting – and keeping – an emergency fund.Of course, the first consideration is, do you have an emergency fund? The second is, how do you avoid the temptation of dipping into for non-emergencies.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

As you know, there are loads of credit card options out there. Credit cards that let you earn travel miles, merchandise or cash back can be a good deal.However, to get the most out of a rewards credit card, you have to be strategic.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

OK, we’re going to talk about a simple – yet profound – principle that can transform your health and your wealth over time…It’s called the “apple-a-day” principle.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Many of the world’s wealthiest people got that way by investing in real estate.But it’s difficult to come up with the hefty 20% down payment required to buy an investment property.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

You’ve found the ideal place. The whole family loves it. But before you seal the deal, make sure you or your home inspector checks for these potentially expensive deal breakers.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

OK, today we’re going to talk about how to achieve your goals…Any chump can set a goal. But it takes a champ to achieve it!So, what separates the champs from all the rest? I’m glad you asked.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Buying a home in a new real estate development can be exciting! However, there are important things to be aware of before you sign the contract.There’s nothing like turning the key on a brand-new home that’s never been lived in. But buying in new a real estate development isn’t the same as buying an existing house.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954