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What is a Thin Credit File? What does it mean when a funding institution denies you for “weak credit” or “thin credit file”? Basically it means, that you do not have enough credit history to rate, that you do not have enough loans, credit cards, mortgages, or car loans to generate a score high to get any funding. So when a financial institution pulls your credit and there is not enough history, the credit bureaus send out an alert that you have a “thin file.” A “thin file” means you don’t have much of a track record with credit. Either [&hellip

A Country Home with Amazing View A Home with magnificent view connects us to nature every day. The Sutter Buttes rise out of the valley like a temple of nature. The sun’s play on the mountains from sunrise to sunset changes the color and texture of the mountains. The seasonal change makes for even a more dramatic daily show of nature. The view from this home transforms not only everyday but throughout the day. It is like having a new work of art every time you look out the window. The custom made country home creates a high quality of [&hellip

Purchase Your Dream Home with Just 1% Down Stop renting and buy your dream home California Loan Associates Inc. is excited to offer the conventional 1% down with equity boost loan program You put down 1%, your lender contributes 2%*, giving you 3% equity at closing Great low rates Close in 30 days or less Conventional 30-year fixed program Available with no monthly Mortgage Insurance    *2% lender contribution may only be applied to down payment There’s no reason to wait. follow link today and get the home you’ve always wanted. Check out the video about the Dream Home Loan: [&hellip

Large family Home up to 16 bedrooms   This large family property has six master suites in the main building. Each master suite includes a bedroom, living area and bathroom. Or possibly they can be made into two bedrooms with a shared bathroom. Some bathrooms will be Jack and Jill style (two doors) and others will be a shared bathroom (one door).  Each bedroom could have two people. The six master suites can be mixed and matched.  You can have 3 master suites for three couples. Then you can have 3 two bedroom shared bathroom creating 6 bedrooms. The suites [&hellip

Homes for Sale The MLS is were they are found! The acronym MLS is short for the Multiple Listing Service. The Multiple Listing Service is where most homes for sale are found. The MLS is a database of properties available for sale and represented by a real estate agent. The Multiple Listing Service in northern California area including Sacramento is MetroList. Each area has a different name for their MLS. The MLS is the most important tool for people looking to buy a home. The Multiple Listing Service has the most up to date list of properties for sale in [&hellip

Refinancing an ARM Loan Adjustable Rate Mortgage can be a ticking time bomb Find out if refinancing an ARM loan is the best choice The Federal Reserve recently raised interest rates, and if you have an Adjustable Rate Mortgage (ARM), it may be a good time to consider refinancing your home. There’s no one-size-fits-all answer to whether you should refinance, so here are a few of the key thoughts. How long does your introductory rate last? Most ARMs have a fixed rate for the beginning of the mortgage. This is an introductory period (usually 3-10 years) when your rate will [&hellip

Five Tax Opportunities for Homeowners   Owning your own home has many advantages. Some of the benefits of home ownership is financial. Here are five tax opportunities for homeowners. Note with any tax information talk to your tax experts to evaluate how it will impact your personal tax situation. Mortgage Interest Deduction: This has long been one of the most valuable deductions for homeowners, especially with a new mortgage where the payments consist of mostly interest. Home Improvement Loan Interest: The same way your mortgage interest is deductible, so can be the interest on a home improvement loan. Consult your [&hellip

Creating Property Value with Income Wealth creation is one of the important features of real estate. For most Americans the biggest asset they have is their home. High value homes cost a ton of money to own. Taxes, utilities, maintenance and many more money draining features of a home can create a cash flow losing asset. The rarest of real estate is a positive cash flow home. How to find one can produce a powerful personal asset. The scarcest of properties can be a home and income producing real estate. An example of this is the property in Meridian on [&hellip

First Time Homebuyer Infographic This first time homebuyer infographic is a visual shorthand for the steps to secure the mortgage to buy the 1st home. The home loan process is presented quickly and clearly. It will illustrate the process but for more information check out Sacramento Housing Magazine first time home buyer resource. The first-time homebuyer has a thrilling journey ahead. The applying for the first mortgage loan and navigating a complex housing market can be intimidating. The old saying knowledge is power can all so state knowledge gives understanding. And understanding the home buying process for the first time [&hellip

The Key Ingredient in a Luxury Studio Apartment By Karen Miranda When it comes to renting a studio apartment most people think of cramped spaces, and a lack of privacy. But if you’re one of the lucky ones and you can find a luxury studio apartment, you might be pleasantly surprised. Not only do they provide you with far more amenities than you might imagine, they can be so comfortable that you may find yourself convinced that you’ve found the perfect place. The secret is to find a unit that meets some very specific guidelines. And one of the most [&hellip