Welcome to our Resource Center!
Our primary purpose…
…for this website is to inform you about everything you need to know before you purchase your first home. We have some answers to your potential questions, and we realize these articles may raise additional questions. Please feel free to use the contact me tab to ask additional questions. If we know the answer, we may respond to you directly or by adding your question to this page for someone else. If we don’t know the answer, we will be glad to refer you to someone who does. We are mortgage and real estate professional with decades of experience, but we are not attorneys nor are qualified to give you specific tax advice. We literally know hundreds of professionals that can assist you in whatever niche of divorce you need education.
Young & Short on Cash?
Buying a home can be intimidating for just about anyone. But many younger millennials don’t even try, because they assume that student loan payments and limited job experience mean they can’t possibly own real estate… KEEP READING
Buying Online
You prefer to check out houses online? Here are a few things to consider during your online search! KEEP READING
Tips for First Time Buyers
A house is likely to be the biggest purchase you ever make, which can make home buying equally terrifying and thrilling. If you’re preparing to buy a house for the first time, pour yourself a glass of wine, take a deep breath and read these tips for first-time home buyers. KEEP READING
Get Your Offer Accepted!
You found you dream home, toured it and are sure this is the one! Now all you need to do is send the Seller an offer he can’t refuse – sounds easy right? Follow our simple steps to make sure your offer is the one standing out enough to be accepted by the seller! KEEP READING
5 Myths
If you’re in the process of buying a home for the first time, you probably have some questions about the best way to find and finance your dream home. Our goal is to make sure you have the education and support you need – that starts with dispelling some common myths about mortgages and home buying! KEEP READING
Self Employed Buyers
If you’re a self-employed home shopper, you’re not alone. Estimates are over 15 million Americans that are self-employed, and many struggle to find financing when they’re ready to buy a house. Our goal is to make it easy. With the right planning and preparation, you can build a clear path to your dream home — even when your income isn’t traditional… KEEP READING
5 Credit Factors
So many people want to brag to me they have a great credit score. If you have a 744 FICO or an 804 FICO, your cost to borrow money will be the same. Anything over 740 is just feeding your ego. A good credit score is great, but there is no perfect number, so this is a lot to do about nothing… KEEP READING
What is PMI?
If you’re planning to buy with a down payment lower than 20%, you might’ve heard of “private mortgage insurance”, or PMI. If you clicked on this article, you’re probably still not sure what PMI means and how it will affect the total cost of your mortgage. Let’s clear that up now. KEEP READING
Credit vs. Deductions
When it comes tax time, most of us really only care about one thing: paying as little as possible without breaking any laws, of course. And while there are great ways to help you buy a house as a first time home buyer, and ways to lower your overall tax burden, not all of these tactics are created equal — which becomes readily apparent as you’re looking over all that IRS paperwork. KEEP READING
MCC Tax Credit
This one tax credit first time home buyers can use. A first time home buyer is ANYONE that has not owned a property in the last three years. Even if you owned a house more than a few years ago, you would still qualify) The Mortgage Credit Certificate (MCC) is one such program. The MCC program gives you a tax credit of… KEEP READING
Pre-Approval – How?
Many first time home buyers are confused as to why they would get a pre-approval for a home if they are not sure the time is right to buy. Once you made the right decision to get pre-approved, there’s already the next challenge waiting: What documents do you need? Who do you turn to? Follow this simple guide on how to get pre-approved for a home loan! KEEP READING
Pre-Approval – Why?
A mortgage pre-approval is written assurance from a lender or broker that you’re able to borrow money to purchase a home up to a certain amount. It’s based on the underwriter reviewing your income, employment, asset documentation, and your credit history. Here are 6 reasons why getting pre-approved is one of the first steps you should take prior to making an offer! KEEP READING
Orange County First Time Homebuyers 