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Can You Buy a House With No Credit?

When you apply for a mortgage, lenders typically assess your credit score and credit history to determine your creditworthiness. Your credit score is a number that summarizes your credit history and reflects your ability to repay debts. If you have a low credit score or no credit history, it may be difficult to convince a Read more

February 20, 2023
What is earnest money?

Earnest money, also known as a “good faith deposit,” is a sum of money that a buyer pays to a seller or a real estate agent as a show of good faith in a transaction. This deposit is typically made when a buyer submits an offer to purchase a property and is usually a small Read more

February 20, 2023
My house is in foreclosure, do I still owe the bank?

When a homeowner fails to make their mortgage payments, the lender may initiate a foreclosure action. The exact process and timeline can vary depending on the state, but generally, the lender must provide the borrower with a notice of default and an opportunity to cure the default before the foreclosure can proceed. If the borrower Read more

February 13, 2023
Foreclosure in San Diego, California: What to Expect and How to Navigate the Process

If you’re facing foreclosure in San Diego, California, it’s important to understand the process and know what to expect. Foreclosure is a legal process that occurs when a borrower is unable to make their mortgage payments and the lender takes possession of the property. In this blog post, we’ll explain what happens during foreclosure and Read more

January 29, 2023
How much do I need for a down payment?

The amount required for a down payment on a home depends on the type of mortgage and the price of the property. There are numerous mortgage programs that allow you to make a smaller down payment than the conventional 20%. For example, with an FHA loan, you can put as little as 3.5% down. However, Read more

January 20, 2023
What kind of credit score do I need to buy a home?

A credit score is one of the factors lenders consider when you’re applying for a mortgage. A higher credit score can make it easier to qualify for a home loan and may result in a lower interest rate. A credit score of 740 or higher is generally considered “excellent” and can help you get the Read more

January 20, 2023

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