Home Loan Blog

Learn more about home loan topics from our blog articles below. We are committed to informing you about home loans and finding the right product 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.

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.

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.

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.

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.

FHA Mortgage Loan Considerations

FHA loans face competition from other products, and one of them might be a better fit for you. Weigh the benefits of FHA against those of similar products to find your best mortgage choice.

Refinance Manufactured Home Loan

The good news is that it is possible to refinance a personal property loan into a lower interest mortgage loan, especially once you have built equity in your mobile or manufactured home or the land it sits on.

Home Equity Loans vs Mortgage Loans

Home equity loans vs. Mortgage Loans. While the two loan types share this important similarity, differences exist between them, and consumers should understand their options when borrowing against their home’s value.

Conventional Mortgage Loans

Term: Conventional mortgages are generally offered in term of repayment periods of either 15 or 30 years, although some lenders also offer terms of 20 years.

HELOC: How to Use it Well

Now that the economy and housing markets are recovering and becoming stronger again, many homeowners are looking at home equity loans and/or lines of credit in order to upgrade their home, pay off debt or make large purchases. Like any loan, there are some great ways to use home equity loans and lines of credit, and some not so great ways to use that money.

Refinance a Property You Don’t Live In

With the rebounding housing market across the country and a hot rental market in many areas of the nation, lower interest rates coupled with higher rental rates could result in you having that investment property paid off before you know it. But, is it even possible to refinance a rental or investment property that you don’t live in? The answer is yes!

VA Loan Qualifications

The good news is that yes, you can still qualify for a VA loan if you have declared bankruptcy in the past. In order to qualify for a VA loan, your home loan will need to have been at least one year from the date of your Chapter 13 bankruptcy or two years from the date of your Chapter 7 bankruptcy. Additionally, you must have had no late payments reported to the credit bureaus since emerging from bankruptcy.

Underwater Home Owner – What to do?

if you are underwater on your home, a call to your local lender may be a great option, as refinancing your mortgage could bring your relief each month via lower interest rates and monthly mortgage payments

Refinancing Mobile Home

Many mobile home owner become interested in ways to reduce either the interest rate on their loan, or their monthly mortgage payment or both. It is possible to refinance a personal property loan into a lower interest mortgage loan.

Home Renovation Loans: Fannie Mae HomeStyle and FHA 2013k

If you own a home or are planning on owning a home in the near future, there’s a chance that you might want to perform some home renovations. Or you could be planning on purchasing a “fixer-upper.” Consider home renovation loans.

Credit Card Debt and Getting a Loan

Owning a home may sound like a good idea, until you start thinking about the credit card bills you have to pay. While having credit card debt can certainly impact your ability to qualify for a mortgage, having that debt doesn’t have to stop you from getting a mortgage, especially once you understand the tips and strategies we’ve outlined below to help improve your chances of not only qualifying, but qualifying for more.

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