So you have decided to buy a home–Congratulations! Chances are you’re wondering about your financing options. Our mortgage experts at H.O.M.E. Lending are ready to assist and make the lending process convenient, streamlined and personalized. How Do We Differ From Our Competitors? With interest rates still hovering around historical lows, today’s housing market has gotten extremely […]
The 5 Most Common Types of Home Mortgage Loans
If you are looking to invest in a house, the time is perfect. However, many home buyers are unaware of the mortgage options that may be available to them, especially if they’re a first-time home buyer. Choosing the right mortgage for your home buying needs isn’t that difficult if you know how each one works. […]
6 Questions Mortgage Lenders Commonly Ask When Looking at Your Bank Statements
Whenever you’re buying a home, it always helps to be prepared when interacting with the mortgage lender during the closing process. One segment of the process involves reviewing your bank statements and finding any transactions that might raise questions. So, before you apply for a home loan, we recommend that you ask yourself the same […]
Coping with First-Time Home Buying Stress
As a first-timer, the home buying process can be intimidating. Furthermore, the uncertainty of legal procedures that you must comply with when purchasing a home further complicates matters. Then there’s the issue of being emotional about such a huge investment. This can be overwhelming, but it can also be dangerous in that your emotions might […]
Home Buying Tips for 2021
It’s safe to say that the home buying landscape in 2021 won’t look anything like it did in normal times over the past few years. First of all, we’re still dealing with the COVID-19 pandemic. So, instead of open houses throughout numerous Stockton neighborhoods, you’ll need to search home listings online and watch virtual home […]
5 Ways to Tell If You’re Ready for Home Ownership
Owning a home is not just something to take pride in, it’s the biggest investment you’ll make in your lifetime. So, how do you know if you’re ready for this? While there are several benefits to owning a home, this is a huge financial responsibility. Benefits of Buying a Home in California Still not sure […]
What Does 2021 Hold for California Housing?
Here in California, it’s been a strange and bumpy few months in housing. At the beginning of the year, we were churning along with a lot of activity and rising home prices, looking like our housing momentum was continuing. Then came COVID-19 and our state locked down, throwing housing into a bit of a limbo […]
Are People Still Buying Homes During COVID-19? The Answer May Surprise You
It’s summer and in a normal year, that means movement. Parents typically wait until summer to buy new homes and move because they don’t want to displace their children during the school year. But like everything in our lives right now, has COVID-19 had an impact on new home purchases? Surprisingly, it appears that home […]
Why Do We Love Stockton? Let Us Count the Ways!
The news is full of depressing stuff. Yet, here in California, we live in one of the most beautiful states in the nation. This may be a great time to extol the virtues of our fair city with some of the reasons we love living here. The History Here in Stockton, we have deep roots […]
Important Practical Tips for Young Home Buyers
According to research, Rents have increased over the last few years, leading millennials to research the potential of home buying instead of renting, when rents begin to equal the average monthly housing payment it makes sense to buy rather than rent. for tax purposes you receive a $60 renter credit from the state and as […]