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 […]
Manufactured homes can make homeownership more affordable for many, and modern options can often rival site-built homes. Financing a property with a manufactured home, however, isn’t always as straightforward as financing a conventional home. If you’re considering a property with a manufactured home, there may still be several loan options available. Here are a few […]
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America One Mortgage Group - Corporate NMLS# 79460 California Bureau of Real Estate Licensed Broker# 01323980
