Discover VA loan benefits beyond zero down, including no monthly mortgage insurance, flexible credit guidelines, multi-unit properties, assumable loans and more.
Published on 09/28/2026
When planning a down payment, most buyers think about money in checking or savings. But depending on the type of retirement account and individual circumstances, retirement funds may also be an available source. Understanding what may be possible can help California homebuyers evaluate their options before deciding how to fund a home purchase.
Published on 09/24/2026
The Federal Reserve raised its short-term interest rate by 0.25 percentage point in September 2026, but that doesn't mean mortgage rates automatically increased by the same amount. Understanding which rates the Fed influences most directly can help California homebuyers and homeowners make sense of the headlines and their borrowing decisions.
Published on 09/22/2026
A tax strategy, investment decision, job change, debt payoff, retirement decision, or divorce may make sense on its own, but it can also affect your mortgage options. Looking at major financial decisions together, rather than in isolation, can help you make choices that support your broader goals.
Published on 09/21/2026
Understand why mortgage rates may stay near 7% and what buyers should consider before waiting for 6%.
Published on 09/21/2026
Having student loan debt doesn't automatically prevent you from buying a home. But student loans can affect mortgage qualification, and the amount a lender uses isn't always as simple as looking at your current monthly payment. Understanding how your loans may be evaluated can help California homebuyers establish a more realistic homebuying budget.
Published on 09/17/2026
A divorce decree may require one spouse to refinance the marital home by a certain deadline. But what happens when the refinance never closes? A recent Divorce Lending Association article examines two appellate decisions with similar circumstances but very different outcomes and highlights why the language established at the time of settlement can matter.
Published on 09/16/2026
New Fannie Mae guidelines taking effect November 1, 2026 may make it easier for some homeowners to use expected rental income from their current home when qualifying to purchase another. But qualifying is only part of the decision. Before turning your primary residence into a rental, it’s important to consider the financing, cash flow, equity, and potential tax implications.
Published on 09/15/2026
Trusted mortgage guidance for 2026 first time buyers covering preapproval, rate strategy, and compliance smart steps to close with confidence.
Published on 09/14/2026
