For younger homeowners with plans to build a family, a larger home can provide ample room to grow. But as time goes by and the nest starts to empty, all that extra space can quickly become a burden. Sound familiar? The decision to downsize is never easy. But moving to a smaller home can simplify […]
The length of your mortgage term shapes your monthly costs, your total interest bill, and how fast you build equity. That’s why 30-year mortgages are typically more popular than 15-year loans. Spreading payments over time lowers monthly costs and gives you more breathing room in your budget. But what you save today could cost you […]
For buyers who want to build rather than buy, construction loans offer a path from empty lot to finished home. Not only that, but they can cover everything from land and permits to materials and labor. Construction-to-permanent loans are the most common choice, but construction-only loans are also available. Here’s a look at construction loan […]
One extra mortgage payment per year could save you thousands in interest and shorten your loan term. How can such a small act make such a big difference? Interest is charged on your remaining principal balance. With an amortized mortgage, early payments go mostly toward interest, keeping your balance higher for longer. When extra payments […]
Weighing your mortgage options? Before making any big decisions, make sure you’re not comparing apples to oranges. Mortgage rates can be expressed as two different percentages: a nominal interest rate or an annual percentage rate (APR). And while the numbers may look similar on paper, the costs they represent can be significantly different. Let’s define […]
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
