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 […]
Spring has a funny way of unearthing winter’s dirty little secrets. As windows reopen and sunlight comes in, dust and clutter that went unnoticed can suddenly become impossible to ignore. Cleaning up can feel like a daunting challenge, but it doesn’t have to be. With a few simple techniques, you can make your spring-cleaning routine […]
Mortgage rates aren’t what they once were, but buyers are still moving forward. Many are choosing to secure the home they want now, with plans to refinance later if rates improve. As rates gradually ease, homeowners are starting to revisit those refinancing plans. But if you’ve recently purchased a home, how soon can you refinance […]
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America One Mortgage Group - Corporate NMLS# 79460 California Bureau of Real Estate Licensed Broker# 01323980
