Home Loans

Credit Scores are a controversial way of representing specific aspects of human behavior. The idea that a number can “represent human behavior” can be misleading sometimes, while other times, it is a good indicator. Whether or not an individual cares what their score is an indicator of behavior when it comes to credit. With human […]

What Income Do I Need to Qualify For That Property? A seemingly harmless question, but a loan officer answering this question is a frequent gateway to loan applicants creating fraudulent documentation.  The FBI discourages loan officers from answering this question, in favor of “let’s take a look at your income documentation and see what we

The combination of lower sales prices and continued low interest rates at the SAME TIME, has created near utopian market conditions for home buying. Down payment and closing costs assistance programs are still available. People who would like to trade their rent payments for a solid investment in a home, should explore the opportunities available

VA HOME LOANS The establishment of the Veterans Administration came in 1930 when Congress authorized the President to “consolidate and coordinate Government activities affecting war veterans. VA loans started in 1944 through the original Servicemen’s Readjustment Act also know as the GI Bill of Rights. The GI Bill was signed into law by President Franklin

The Year 2011 has arrived and I look forward to continuing to deliver important updates about real estate financing and the industry. Happy New Year and thank you to all who have expressed their appreciation for this site.

The California Housing Finance Agency has made it possible for a first time home buyer to qualify for a 30Yr Fixed Rate Home Mortgage under 4.00% interest……….APR 3.955. The interest rate offered is subject to change daily. Please send email if you are a first time homebuyer and ready to consider purchasing a home. You

If you are thinking about buying a home in the the State of California, a grant is available for qualifying homebuyers in the $300,000 price range. A real grant, the money does not have to be paid back and you do not need to be a first time homebuyer. For More Information, please email carolyn@carolyndavis1.com.