Should I Buy a No-HOA or HOA House?

HOAs are common in California, and belonging to one has its advantages. But what about those horror stories you keep hearing about? Your cousin had to take down her red curtains because her HOA president didn’t like how they looked from the street. An HOA house — one that is a part of a neighborhood … Continued

What is FHA Loan Financing?

If you’re buying a home without enough cash on hand to pay in full (and that’s most of us), bank financing is probably your go-to for lending. Again, you’re not alone. Conventional wisdom says you need to put down 20% of the home’s price as a down payment. But that’s only with a traditional loan … Continued

Best Flooring for Resale Value

You want to put in some easy upgrades to increase the value of your home — you’re not alone. But before you start shopping for carpet swatches and cabinet pulls, it’s smart to figure out what actually earns the most return on investment (ROI). Shag carpeting, for instance, probably isn’t going to appeal to all … Continued

Seller’s Guide to Choosing a Homebuyer

When you’re on the hunt for a new home, it’s natural to create a check-list of what you’re looking for. But what about when you’re the seller? Have you thought about what kind of buyer you need? You should also have a list of what your ideal buyer looks like. We’ve created a seller’s guide … Continued

Know Your Foreclosure Rights

You missed a housing payment. Times are tough; maybe you lost your job, had unexpected and significant medical bills, or had to spend thousands to fix a collapsing roof. Sometimes even the most responsible homeowner can fall behind. Can your bank foreclose on you within a few months? Is there any way to stop a … Continued

Strategies to Stop a Foreclosure in Sacramento

Are you behind on your housing payments? If foreclosure looms, it might feel like all hope is lost. Not so fast. There are a few legal strategies for stopping a foreclosure from going through. Your case will be stronger if you can prove that your financial distress is based on a temporary setback (such as … Continued

Cleaning Up Your Credit After Foreclosure

Foreclosure hurts your credit, there’s no way around it. You can expect your score to drop by 100 points or more. The higher your credit score at the time it happens, the more it can drop — up to 160 points. Ouch. A foreclosure will stay on your record for seven years from the date … Continued

5 Foreclosure Myths, Debunked

Going into foreclosure can be overwhelming, and downright heartbreaking. But in some cases the prospect of foreclosure is not as bleak as you might think. Complicating matters worse are the sheer number of rumors and half-truths about foreclosure swirl; there are all sorts of foreclosure myths floating around this internet of ours. Foreclosure can be … Continued

Mortgage Modification Help: Can It Help You Avoid Foreclosure?

Are you nearing foreclosure? Trying to avoid losing your property on someone else’s terms? You’re not the only one. Whether because of job loss, or medical bills, or COVID-related hardships (or all three), some homeowners fall behind on payments and want to avoid foreclosure. Even if you’re still current, you may see a missed payment … Continued