If you are thinking about purchasing a home soon, there are certain financial steps that you will want to take in advance. This is not just about making sure you can afford your home; it is also about making the best impression on lenders when you are applying for mortgages. This increases your chances of being approved expediently for an affordable home loan. Let's look at those steps now. 1. … [Read more...]
What Should You Know About Jumbo Loans?
Many people go into the home buying process expecting that they will be taking out regular conforming loans—and are surprised to discover that they need a jumbo loan to purchase a new property. If you are thinking about applying for a jumbo mortgage, you may feel nervous, but you will find it is not all that different from applying for a conforming loan. Here are a few things you should know … [Read more...]
8 Reasons to Consolidate Your Debts
One of the services offered by HPI Financial is debt consolidation. If you are thinking about debt consolidation, but are not sure whether you want to proceed, you may be wondering what the benefits are. Let’s take a look at both the obvious and less obvious reasons to consolidate your debt. 1. Reduce your interest rate. Perhaps the most obvious reason to consolidate your debt is to reduce … [Read more...]
8 Myths About FHA Loans
One of the most popular loan programs we provide is FHA loans. These government-backed loans give consumers access to some of the most competitive rates and terms on mortgages. A lot of homebuyers overlook FHA loans though because they do not realize that they can make use of them. Let’s take a look at some common myths and misconceptions surrounding FHA loans. 1. FHA loans are only for … [Read more...]
Is Refinancing Your Home a Good Idea?
If you are thinking about refinancing your home, you probably already have a good reason. Maybe you want to switch from an adjustable rate mortgage over to a fixed-rate one, or perhaps you have an opportunity to reduce your interest rate. Either way, there are a number of questions you should ask yourself before you go through with a refinance. You need to make sure that it is truly the right fit … [Read more...]
FHA Loan FAQ
In a recent post, we talked a little bit about FHA loans for first-time homebuyers and the importance of asking the right questions of your mortgage broker before you sign on a home loan. Now we want to share answers to a few commonly-asked questions about FHA loans with you. Q: What is the minimum down payment on an FHA loan? A: Technically that depends on your credit rating. If you have a … [Read more...]
Just Ask an FHA Mortgage Broker in Santa Rosa
You want to buy a home in Santa Rosa, California. That means you’ll probably need to secure financing. Perhaps you’re considering an FHA loan. If so, you’ll need sufficient information before making a commitment. You’ll discover that one of the best info sources is a qualified FHA mortgage broker in Santa Rosa. A professional of this caliber has the resources, experience, and knowledge to provide … [Read more...]
Tips to Save Money When Planning Your Summer Vacation
Planning on taking a family vacation this summer but still haven't booked any flights or hotels? Be sure to watch this video to learn some great tips for saving money on your trip! From what day of the week to book your flight to how to get the best deal on your hotel room, this video has it all. You could save hundreds of dollars overall, leaving a lot more cash in your pocket to spend on … [Read more...]
5 Common Myths About Success
If you think that money is the key to success, think again! Many of us get stuck in a rut thinking that we are not successful, but what if our definition of success is skewed? Take a few minutes to really think about what will make you happy in life. You just may already be more successful than you think you are! From societal expectations about education to the amount of money you make, these 5 … [Read more...]
Healthy Living is all in the Family
Want to lead a healthier life? Make it a family affair! From taking daily walks in the warm summer weather to making a healthy eating pact, these tips will help get your whole troop off on the right foot this summer! What tips do you see your family adopting on this list? Are there any tips you employ that help keep your family healthy and in shape? Be sure to share this article with everyone who … [Read more...]