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Browse through our Home Loan Blog articles below to learn more about home loan topics. We are committed to informing you about home loans and finding the right home loans for your needs.

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Home Loan Blog Articles from Golden Pacific Home Loans of San Ramon

Stay informed and learn more about home loan matters and housing market from our home loan blog articles below. Scroll down to the Categories section or to the bottom of this page to see more home loan blog articles.

Contact our Golden Pacific Home Loan agents in San Ramon for questions about best home loan mortgage and refinance opportunities.

Mortgage Rates Mostly Holding Steady

The 30-year fixed-rate mortgage barely inched up this week Mortgage Rates Mostly Holding Steady Mortgage rates haven’t been this stable since the fall of 2016. Rates did inch up this week, but only slightly and are still offering prospective buyers a window of...

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Mortgage Rates Mostly Holding Steady

Mortgage rates haven’t been this stable since the fall of 2016. Contact San Ramon Mortgage Broker for refinancing or new home loans. Mortgage Rates Mostly Holding Steady Mortgage rates haven’t been this stable since the fall of 2016. Rates did inch up this week, but...

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Benchmark Interest Rates Unchanged

New home sales are up. Are you ready for new home purchase? Contact our mortgage broker in San Ramon. Benchmark Interest Unchanged, But Hikes Coming The Federal Reserve voted on Wednesday January 31 to leave its benchmark interest rate unchanged, but it continues to...

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Loan Demand Stalls in Volatile Week

The highest mortgage rates in four years caused a pause in mortgage applications from home buyers and refinancers during a time when the market generally starts picking up in preparation for the spring season.

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Mortgage Rate Projections: 4.5%

The recent tax bill could cause the Federal Reserve’s rate increases to come faster—mortgage rate projections display an increase of three or four times in 2018. This could push 30-year mortgage rates up past 4 percent in the new year.

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Higher Loan Limits: January 1

Real estate professionals have some good news to share with their clients. On Jan. 1, buyers will be able to get much larger mortgages, whether they’re applying for conventional or FHA-backed loans due to higher loan limits.

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MORE HOME LOAN BLOG ARTICLES

Prevent Costly Wear and Tear With 3 Tips

The winter season brings more foot traffic, which can be risky on a home—holiday parties, family gatherings and even open houses in the winter can bring tears and marks on the floors. How do you prevent costly wear of scratches and stains that result in costly floor repairs?

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Fixer-Upper: A Money Pit?

With inventories so tight, some home buyers may be giving a fixer-upper home a second thought. The price point and location may attract more buyers to bite, even though the home itself may need some TLC.

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Deeper Debt for Millennial Buyers

Millennials are taking out the greatest share of all new mortgages and buying homes across price ranges. But a new study also shows they’re going more into deeper debt at an alarming rate.

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Top Three Holiday Hazards

A new study from insuranceQuotes has identified the top three holiday hazards to homes this holiday season: porch pirates, decoration vandals, and house fires. The survey was based on responses of more than 1,000 consumers.

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Autonomous Cars Change Housing

New home sales are up. Are you ready for new home purchase? Contact our mortgage broker in San Ramon. Autonomous Cars Change Housing Experts predict the advent of autonomous cars will radically change homes and towns alike. By 2021, major automakers, like Ford, Volvo,...

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Density: An Issue with Inventory

Total mortgage application volume for refinancings and home purchases tumbled last week, plunging 7.4 percent from the previous week, the Mortgage Bankers Association reported Wednesday.

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Mortgage Rates Got Cheaper This Week

30-year fixed-rate mortgages averaged 4.14 percent, with an average 0.5 point, falling from last week’s 4.23 percent average. Last year at this time, 30-year rates averaged 3.71 percent.

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Closing Times Are Speeding Up

Home purchase loans took an average of 45 days to close in February, down from 48 days in January. Refinanced loans took an average of 47 days to close in February, down from 53 days

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FHA Strong Enough for MIP Cut?

Is now a good time for FHA to reduce hurdles to homeownership with a lower mortgage insurance premium? NAR says yes, but the Trump administration and some members of Congress aren’t so sure.

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Big Down Payment Myth

Having the spare capital to put 20 percent down on a home purchase is great, but it’s certainly not the norm. Still, many people think it is and that belief may be holding some would-be home buyers back, particularly young adults.

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TV Home Makeover Downside

Caution about TV Home Makeover: Bigger tax bills. They may be forced to pay a higher tax bill due to receiving gifts of new high-end appliances or furniture. They also might see higher property taxes due to the upgraded additions made to the home.

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Down Payment Saving Statistics

California is home to four of the five cities of the places where it takes the longest to save for a down payment: San Francisco, Los Angeles, San Jose, and San Diego.

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Home Loan Demand Softens from HUD Reversal

Total mortgage application volume—which includes applications for refinancing and home purchases—dropped 3.2 percent on a seasonally adjusted basis from the previous week, the Mortgage Bankers Association reported Wednesday.

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FHA Home Loan Fee Reduction On Hold

Need help with FHA home loan? Contact our San Ramon mortgage lender for FHA loans. FHA Home Loan Fee Reduction On Hold On January 23, the new administration suspended a 25 basis point fee reduction that the past administration announced on the 9th of January. NAR...

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Mortgage Rate Changes

Contact our mortgage broker in San Ramon for the latest Mortgage interest rate After nine straight weeks of increases, long-term US mortgage rates fell Mortgage buyer Freddie Mac says the rate on 30-year fixed-rate loans declined to an average 4.20 percent from 4.32...

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Home Affordability and Home Loans

Houses are getting more and more expensive, making it difficult to buy a home. You may be wondering “just how much house can I afford” and if home ownership is even possible in your future. What loan programs are available?

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Choosing The Right Loan Program

Picking what type of mortgage to apply for can be confusing. Different banks offer different home loan and mortgage products, but in general there are a few major categories of mortgage loan programs.

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Cash from Holiday Gifts as Down Payment

Cash is king. Receiving cash during holiday season? Think about saving that money away to use towards down payment. The generosity of the giving season may just get you into the home of your dreams in less time than you think!

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Mortgage Rates Increase Slightly This Week

New home sales are up. Are you ready for new home purchase? Contact our mortgage broker in San Ramon. Mortgage Rates Increase Slightly This Week Average mortgage rates increase slightly this week, but the 30-year fixed-rate mortgage remains below 4 percent and...

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ARM Mortgage Loans

What are the various ARM Mortgage Loan options? Contact our home mortgage lender in San Ramon. ARM Mortgage Loans - Adjustable Rate Mortgage Loans Our San Ramon home mortgage lender explains that there are many mortgage products available on the market today, which is...

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Increase Credit Score By 100 Points!

While you can get approved for a mortgage with a credit score below 600, the best terms and lowest interest rates are likely to go to those home buyers with scores above 700. Increase your credit score before purchasing a home.

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15 Year Fixed or 30 Year Fixed Mortgage?

What are the key differences between a 15- and 30- year loan? First of all it’s the term of the loan. Generally 15-year loan terms will come with lower interest rates, but the shorter term means that you’ll make higher mortgage payments each month,

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Jumbo Loan

A jumbo mortgage loan is a home loan for an amount that exceeds what’s known as the “conforming” mortgage loan limits set by housing regulators.

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Keep Your Home Purchase on Track

A home purchase isn’t complete until you make it to the closing. Until then, the transaction can fall apart for many reasons. Here are five tips for avoiding mistakes that cause a home sale to crater.

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Find Home Loan that Fits Your Needs

It’s easier to settle happily into your new home if you’re confident you can afford it. Here’s what you need to know about your mortgage financing options, including how to choose the loan that matches your income and tolerance for risk. Understand which mortgage loan is best for you so your budget isn’t stretched too thin.

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How Much Mortgage You Can Afford – 4 Tips

By knowing how much mortgage you can handle, you can ensure that home ownership will fit in your budget. Consider those lifestyle issues as you check out these four methods for estimating the amount of mortgage you can afford.

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Things You Should Tell Your Loan Agent

Five different things that you should never hide from your loan agent or mortgage broker.They are doing their due diligence, so it’s important to be as open as possible to avoid any missteps in the process.

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