Selling your home takes care of a lot of things — but what about the mortgage? It doesn’t transfer to the buyer, and it doesn’t just disappear. The payoff process is usually more straightforward than you’d expect. Most mortgages are paid at closing using proceeds from the home sale — with certain exceptions. Understanding how […]
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 […]
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America One Mortgage Group - Corporate NMLS# 79460 California Bureau of Real Estate Licensed Broker# 01323980
