Few things derail a real estate transaction faster than an unexpected property lien. A lien is a legal claim against a property that serves as collateral for unpaid debt. If the debt isn’t settled, the property can be seized to recover the balance. As a buyer or a seller, understanding how liens work can help […]
Spring and summer are usually the most popular times of year for homebuying. The days are longer, the weather’s warmer and many families hope to move before the next school year begins. But that popularity also means more competition. With more buyers on the hunt, bidding wars can be more common, and prices often rise […]
An earnest deposit can give you an edge in a competitive market. Unlike a down payment, which goes toward your loan, an earnest deposit shows the seller you’re serious about buying their home. It’s a sign of good faith that makes it less risky for the seller to take their home off the market. So […]
Buying a home can feel out of reach for many would-be buyers — and down payments are often the biggest hurdle. Even a 3% down payment can seem impossible in today’s economy as home prices continue to rise. But that doesn’t mean you have to give up on owning a home. Many buyers qualify for […]
Thinking about moving can feel daunting in today’s housing market. Trading in your current mortgage rate — especially if it’s much lower than today’s — may give you pause. But a higher rate doesn’t always mean it’s the wrong decision. Sometimes, the long-term benefits of the right home outweigh the short-term comfort of a lower […]
Getting ready to sell often starts with cleaning and staging. But what about major updates? While a remodel can make your home stand out, it can also delay your sale and cut into profits. Is it worth the effort? Let’s explore the pros and cons of presale renovations. Pros A freshly remodeled, move-in ready home […]
Buying a new home isn’t a step to take lightly. From the upfront costs to the uncertainty of what lies ahead, there’s a lot to consider. But while stress and anxiety are only natural, these initial trepidations can be quickly offset by the rewards of homeownership. Whether you’re settling into a new home or planning […]
Just bought a new home? If so, it’s the perfect time to check whether your property tax assessment is accurate. If your home is overvalued, you could end up overpaying on your property taxes — and filing an appeal can result in significant tax savings. Catching errors right after closing on your home can also […]
Being your own boss has its perks. But when it comes to applying for a mortgage, nontraditional income can make things more complicated. Traditional mortgage applications often favor W-2 income. If you don’t earn that way, it might be harder to prove your financial stability on a mortgage application. But that doesn’t mean you won’t […]
Fixed-rate mortgages are the most common home loan type — and for good reason. They offer consistency with a locked-in rate and monthly payment for the life of the loan. But fixed isn’t the only option available. An adjustable-rate mortgage, or ARM, might also be worth considering depending on your circumstances. Here’s how it works. […]
We take pride in providing you with excellent service and appreciate the opportunity to assist you with all your mortgage needs.
America One Mortgage Group - Corporate NMLS# 79460 California Bureau of Real Estate Licensed Broker# 01323980
