Mortgage Planning
What’s Your DTI And Why Should You Care?
July 31, 2025 When you apply for a mortgage, lenders look at a lot of numbers, but your Debt-to-Income ratio (DTI) is one of the biggest deal-breakers (or deal-makers) in the whole process. Right up there with your credit score, this formula plays a major role in whether you qualify for a loan and how…
Read MoreDon’t Give Up on Owning a Home: Some Creative Paths For Today’s Challenging Market
July 22, 2025 With more sellers putting their homes on the market this year we’re seeing more inventory, which is starting to lead to some leveling out in prices in some areas. A good thing. But prices are still high, and with the median sold price of $705,000 in Placer County for June 2025 and…
Read MoreRenters Rejoice: Your Utility & Rent Payments May Help You Qualify for a Mortgage
July 18, 2025 Good News for Homebuyers: A New Credit Score Option is Here All I can say is, it’s about time! Fannie Mae and Freddie Mac, the two government-sponsored enterprises backing about 70% of U.S. mortgages, will now allow lenders to use VantageScore 4.0 as an alternative to the long-dominant FICO score. For years,…
Read More“One Big Beautiful Bill” Signed Into Law: What It Means for Homebuyers & Investors
July 11, 2025 H.R. 1: New Housing Provisions That Could Impact Your Wallet Last week, President Trump signed H.R. 1, nicknamed the One Big Beautiful Bill, into law—and it includes major housing-related provisions that could benefit both homebuyers and real estate investors. Here’s a breakdown of what’s inside: 1. Mortgage Insurance Premium Deductions Made Permanent…
Read More5 Things Every First-Time Homebuyer Needs to Know Before You Buy
July 7, 2025 You Don’t Need 20% Down Many buyers still believe they need to put down 20%, but that’s simply not true anymore. There are many loan options that allow for much lower down payments, some as low as 3% or even 0% for qualified buyers. Closing Costs Can Be Covered Don’t let closing…
Read MoreIs It Still a Good Time to Buy a Home? Here’s What the Current Market Is Telling Us
July 1, 2025 A Fluid and Dynamic Market Recently, someone asked me what I thought about the current housing market…and the honest answer is, it depends. The real estate market is incredibly fluid and ever-changing, but if we’re looking at where things stand today, the overall sentiment is that it remains solid and stable. Inventory…
Read MoreInflation & Unemployment Numbers: What It Could Mean For Interest Rates
June 18, 2025 I wanted to share a quick update on how the latest economic news could impact mortgage rates and the housing market. Whether you’re actively looking to buy, refinance, or just keeping an eye on the market, these trends are important to understand. May Inflation Report: Cooler Than Expected May brought some encouraging…
Read More5 Things You Should Ask Yourself Before Shopping For A Home
June 10, 2025 Buying a home is one of the biggest financial decisions you’ll ever make, and also one of the most emotional. Whether you’re a first-time buyer or a seasoned homeowner, taking time to reflect before you begin your home search can save you from costly mistakes and emotional burnout. Here are some important…
Read More5 Things You Need To Know About Down Payment Options
June 4, 2025 When you’re thinking about buying a home, one of the biggest questions on your mind is probably: How much do I need for a down payment? Good news—there are more options and resources than you might think. Let’s break down the five most important things you need to know about down payments…
Read MoreThe Ultimate Homebuyers Guide
Click Below to review Jeff Silver’s Homebuyers Guide!
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