Mortgage Lending Top 5 “Do’s” and “Don’ts” When Financing Your Home

There are many different elements to your finances that may not cross your mind when it comes to purchasing or refinancing a home. At West Coast Mortgage Group we make sure our top priority is to make mortgage lending simple to you as the consumer. With that commitment comes making sure we outline what our borrowers should, and more importantly should NOT do when they are financing a home purchase or refinance. As a top lender, we understand the importance of educating our clients and believe that this information should be shared. Buyers and homeowners have stated feeling the clock ticking if they want to grab the low mortgage rates that are available right now. Bottom line, borrowers have the best chance to get the lowest rate by knowing more, not less, about the financing game.
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Get the Right Home With Sacramento Mortgage Lenders Help

Looking for a new home to purchase can be tricky because we want the home of our dreams but don’t want to get carried away about it. Our family’s needs inside and outside the home are a top priority in the thought process of home buying. West Coast Mortgage Group, a Sacramento mortgage group focused on mortgage lending made simple, found 3 ways that could help protect your family while searching for a new home. Moving around too much has negative affect on kids The first thing you need to take into account – is the house affordable? What good is home to you if you can barely pay a mortgage on it? Being financially stable is the best security you can give your family. In 2008, many families lost their home due to the housing crisis because banks gave out loans to those who weren’t really ready to purchase homes.
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Sacramento Mortgage Broker Says these Drop Home Value

Not all additions and changes are going to add value to your house. West Coast Mortgage Group, a Sacramento mortgage broker that also works in cities across the country, found the holy grail of renovations that should not be done to your home when thinking about selling. Scott McGillivray, the host of HGTV series Income Property and author of How to Add Value to Your Home, give great perspective on unwise renovations: 1. Keep the Master bedroom and guest bedroom separated. Many people believe that by making their master bedroom bigger, they will add value to their home. This could work if you were to add onto the house, but if bigger means breaking down the wall that separates the two rooms to just make one large room – then say goodbye to your home’s value.
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What Sacramento Mortgage Rates Could Mean for Homeowners

The Fed’s have got your back! The Federal Reserve is looking out for homeowners from having to pay unruly mortgage rates. Earlier this month, the Fed’s took the time to meet up and concluded with the following statement: “To support continued progress toward maximum employment and price stability, the Committee today reaffirmed its view that the current 0 to 1/4 percent target range for the federal funds rate remains appropriate.” By keeping the mortgage rates low, their hopes are that the economical growth of the country will begin to see improvement. Chief economist, Scott Brown agrees that this is the correct path to travel down by keeping the mortgage rates low. He expressed, “The idea is that you want to encourage more economic activity. Having low interest rates, consumers are more likely to be able to borrow, take risks and to make car and home purchases.”
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Now is the time to talk to a Mortgage Broker in Sacramento

Are you wondering how today compares to those of the past when it comes to owning a home? So many American’s are starting to ask this question and mortgage brokers across the United States agree that now is a great time to own a home. Don’t believe us – just check out the picture. If you are new to the housing market and looking to buy a home, you are in luck! Every state shows an overall home value increase. Economy on the rise Since the recession in 2007, the United States has suffered from a declining economy. But with signs of houses going up in value, it proves that our economy is actually in a healing process right now. We can safely say that our economical situation is improving.
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Mortgage Refinance Tips and Advice from Sacramento Mortgage Lenders

For an average individual who is not employed in a mortgage industry, the mortgage jungle is very devastating. Mortgages are complicated and somehow hard to maneuver. In this article, there are some tips and guidelines of what an average individual is supposed to understand when in need Sacramento mortgage companies to help you. Reverse mortgage funding As individuals grow up, living expenditure tend to increases significantly, this has resulted to several elders decide to look for the Sacramento mortgage lenders to offer assistance with this expenditure. This alternative, in general, works correctly for those individuals who have ultimately paid for their apartments and got no mortgage against it. When you take the advantage of a reverse mortgage, you will get an income from the equity that your house carries every month.
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Working with Sacramento Mortgage Companies

The housing market can be quite fickle at times. One minute the market is looking really good; and the next minute, it’s the last place you want to be. Over the years the housing market has become saturated with so-called truths and even higher expectations. Due to all of these factors, the housing market has gotten kind of an unfair rap. This is why you need to work with a mortgage company. Sacramento mortgage companies have a major advantage. They know where the truth lies in the housing market. They also know how to get the most return out of your investment.
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