Greater Sacramento Mortgage News & Views

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After a Divorce, You May Still Be on the Hook for a Mortgage I met a friend of mine for coffee recently and he told me he had signed a Quit Claim Deed, releasing his ownership of the house he and his now ex-wife had bought years earlier and in which she lives.  He added, "I can go buy another hou...
"My FICO Score is Too Low for a Mortgage? Can I Use a Co-Signer?" Sometimes I will run credit on a Roseville mortgage applicant, their FICO score is too low for them to qualify for a mortgage.  When I deliver the bad news, the borrower will often ask if they could qualify by adding a co-signer.  ...
Special program offered in California--first mortgage loan with a 3% down payment assistance grant for low- to moderate-income buyers!   Grant may not exceed 3% of the first mortgage loan amount Proceeds may be used for down payment and/or closing costs Mortgage loan types - FHA, VA and USDA Sell...
How Much Down Payment Money Do I Need for a Mortgage? As a Sacramento mortgage broker, I get asked this question a lot during the prequalification process. First, what is a down payment?  It's a percentage of the purchase price which is paid at the time the home is purchased.  Here is a helpful l...

Ed Gillespie

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