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Home Ownership

Read the latest blog posts from our mortgage experts, get the latest updates about the industry, tips and tricks for making your purchasing experience easy, and more!

Home Ownership

Non-Qualified Mortgage: Bank Statements

May 12 2022
Homebridge

You may have found your dream home, but it might remain a dream without approved financing. Bank statement loans, as the name implies, use bank statements to determine your income. They are a... »
Read More of the post Non-Qualified Mortgage: Bank Statements

Benefits of Pre-Approval: Get the Upper Hand

Apr 27 2022
Homebridge

The supply of houses on the market has fallen from an average of 1.6 million units monthly in 2018 and 2019 to just over 1 million in 2021 – and the monthly figures... »
Read More of the post Benefits of Pre-Approval: Get the Upper Hand

4 Stops Along the Road to First Time Homebuying

Mar 31 2022
Homebridge

Your first time buying a home will be exciting, offering a window into the setting of your future. At Homebridge, we delight in the opportunity to help first-time homebuyers because we are reminded... »
Read More of the post 4 Stops Along the Road to First Time Homebuying

10 Ways to Make Your Home Energy Efficient

Mar 29 2022
Homebridge

In honor of Earth Day, consider these 10 ideas for implementing energy-efficient improvements throughout your home. Not only will these strategies benefit the environment by reducing your carbon footprint, but they will help... »
Read More of the post 10 Ways to Make Your Home Energy Efficient

USING GIFT FUNDS TO BUY A HOME

Feb 1 2022
Homebridge

USING GIFT FUNDS TO BUY A HOME For many homebuyers, gift funds are a needed boost to help them cover the necessary down payment on their dream home. Although it’s common practice to receive... »
Read More of the post USING GIFT FUNDS TO BUY A HOME

CA HOMEOWNERS: INCREASE WEALTH AND COMFORT WITH AN ACCESSORY DWELLING UNIT

Jan 19 2022
Homebridge

  Ca Homeowners: Increase Wealth And Comfort With An Accessory Dwelling Unit Recent state laws have made the creation of an Accessory Dwelling Unit (ADU) more straightforward than ever before. Homebridge is dedicated to helping... »
Read More of the post CA HOMEOWNERS: INCREASE WEALTH AND COMFORT WITH AN ACCESSORY DWELLING UNIT

2022 VA LOAN LIMITS HAVE INCREASED

Jan 19 2022
Homebridge

  2022 VA Loan Limits have increased The Department of Veterans Affairs (VA) increased 2022 loan limits for potential VA homebuyers across the country! This means that active and retired military service members and their... »
Read More of the post 2022 VA LOAN LIMITS HAVE INCREASED

MORE PURCHASE POWER FOR HOMEBUYERS WITH NEW CONFORMING LOAN LIMITS

Jan 19 2022
Homebridge

  More Purchase Power For Homebuyers With New Conforming Loan Limits   New increases on conforming loan limits mean that you can expect to afford more for less when you begin shopping for a home. That’s... »
Read More of the post MORE PURCHASE POWER FOR HOMEBUYERS WITH NEW CONFORMING LOAN LIMITS

How Does a Cash Out Refinance Work?

Jan 18 2022
Homebridge

  How Does a Cash Out Refinance Work? Your home is a place of comfort and happiness – but it’s also an investment. In fact, homeownership is one of the primary ways Americans have built... »
Read More of the post How Does a Cash Out Refinance Work?

Housing Affordability: What It Really Means

Aug 19 2021
Anthony Grasst

Housing Affordability: What It Really Means In the last few years, the housing market has experienced an extreme surge in growth. Listings have flown off the market faster than buyers can get their hands... »
Read More of the post Housing Affordability: What It Really Means

5 TIPS FOR GETTING A HOME LOAN

May 25 2021
Homebridge

  Becoming a homeowner may be one of the most rewarding experiences you'll ever have. But before you start picking out a living room set, you'll want to take a step back and start... »
Read More of the post 5 TIPS FOR GETTING A HOME LOAN

5 Factors That Make Buying a Home More Affordable

Jul 29 2020
Jamie

Buying a home can seem overwhelming. As possibly the largest purchase you’ll ever make, you may even convince yourself that homeownership is financially beyond your reach. However, there are several factors you can... »
Read More of the post 5 Factors That Make Buying a Home More Affordable

How an FHA Loan Can Help You Secure Your Ideal Home

May 18 2020
Homebridge

In your search for the perfect place, you may have found homes in your market that are a bit out of your price range. Or, you may have found that you don’t have... »
Read More of the post How an FHA Loan Can Help You Secure Your Ideal Home

How Can I Afford a Home? What Are My Options?

Apr 24 2020
Homebridge

Factors such as student loan debt, competitive real estate markets and low housing stock relative to demand have made many people believe that homeownership is beyond their reach. These issues can make homebuying... »
Read More of the post How Can I Afford a Home? What Are My Options?

Three Factors that Affect the Move to Your Next Home

Mar 23 2020
Ben Chapman

Moving to a new home can mean grappling with second guesses and big decisions. However, your move can be made much easier if you focus on the three factors critical to the choice... »
Read More of the post Three Factors that Affect the Move to Your Next Home

Rate Movements Explained

Mar 13 2020
Homebridge

This past week was a head-scratcher as home loan rates ticked up slightly week over week despite the 10-year Note yield hitting a historic low of 0.31% and stocks enduring heavy losses. Typically,... »
Read More of the post Rate Movements Explained

Lowest. Rates. Ever.

Feb 28 2020
Homebridge

Bonds love bad news, uncertainty and fear, which are causing rates to move lower. This past week, the escalation of the coronavirus fears caused enough anxiety to push rates down to the lowest levels... »
Read More of the post Lowest. Rates. Ever.

How to Financially Prepare for Homebuying

Feb 5 2020
Homebridge

Buying your first home is the biggest and arguably the most important purchase you will ever make. Preparing for that transition will require you to look at your finances in a different way.... »
Read More of the post How to Financially Prepare for Homebuying

3 Myths About Transitioning from Renter to Homeowner

Jan 9 2020
Ben Chapman

After years of rising rent prices and an inability to make your home truly yours, you’ve had enough and are ready to officially break up with your landlord. You’re ready to become a... »
Read More of the post 3 Myths About Transitioning from Renter to Homeowner

Is Buying a Home the Next Step for You? (to Buy or Not to Buy)

Dec 6 2019
Homebridge

For many, buying a home is a major transition in life. It’s one that comes with a long list of benefits like building long-term equity, the freedom to personalize your living space, and... »
Read More of the post Is Buying a Home the Next Step for You? (to Buy or Not to Buy)

Fannie Mae, Freddie Mac loan limit increases to $510,400

Nov 26 2019
Dan

Chapman Lending Team at HomeBridge Financial The Federal Housing Finance Agency announced Tuesday that it is raising the conforming loan limits for Fannie Mae and Freddie Mac to more than $510,000. In most of the U.S., the 2020 maximum conforming... »
Read More of the post Fannie Mae, Freddie Mac loan limit increases to $510,400

Mortgage Mythbusting: First-Time Homebuyer Edition

Oct 21 2019
Homebridge

Are you on the hunt for your first home? Rethink what you’ve been told and take a look at these commonly thought of mortgage myths. MYTH: “My credit score isn’t good enough to buy... »
Read More of the post Mortgage Mythbusting: First-Time Homebuyer Edition

Loan Limits Increased For 2018

Nov 28 2017
Dan

Higher loan limits have just been announced for 2018.  This is great news for anyone looking to purchase a home in the coming year.  It is not yet confirmed that FHA and VA... »
Read More of the post Loan Limits Increased For 2018

Life is not one size fits all, so your mortgage shouldn’t be either.

Aug 14 2017
Jamie

HomeBridge Financial Services serves the lending needs of home buyers, real estate professionals and builders across the country. Part of that service involves offering a variety of products that fit an ever-growing pool... »
Read More of the post Life is not one size fits all, so your mortgage shouldn’t be either.

11 Poisonous Plants in Home Gardens

Jul 27 2017
Homebridge

There's no denying their beauty, but if these plants are ingested, or in some cases merely touched, reactions can range from discomfort to death. It pays to know these potentially poisonous plants, so... »
Read More of the post 11 Poisonous Plants in Home Gardens

Foreclosure and VA Home Loans

Jul 27 2017
Dan

Even with the great rates that a VA loan provides, unforeseen circumstances can arise where the veteran is unable to pay for their mortgage any longer. If a foreclosure seems likely the veteran... »
Read More of the post Foreclosure and VA Home Loans

10 Ways to Save for a Down Payment

Jul 21 2017
Homebridge

10 Ways to Save for a Down Payment Many potential homebuyers lack the savings for the minimum down payment needed to purchase a home. While some mortgage options require a small or even no... »
Read More of the post 10 Ways to Save for a Down Payment

J.D. Power Survey Shows Many Home Buyers Unhappy With Their Mortgage Lender

Jul 14 2017
Homebridge

The purchase of a home is most likely the largest financial decision many people will ever make. Because of this, the HomeBridge team takes being your partner in home buying very seriously. According to... »
Read More of the post J.D. Power Survey Shows Many Home Buyers Unhappy With Their Mortgage Lender

Mortgage 411: Why Do People Use Non-Bank Mortgage Lenders?

Jul 11 2017
Homebridge

According to multiple news outlets, ranging from the internationally known Wall Street Journal to newer financial websites, such as Nerd Wallet, many people are turning to non-bank lenders, for their mortgage lending needs.... »
Read More of the post Mortgage 411: Why Do People Use Non-Bank Mortgage Lenders?

Can a Surviving Spouse Use a VA Loan?

Jul 7 2017
Dan

The VA guidelines before 2012 stated that only spouses who died from military-related causes would be allowed to have VA benefits. Since then the VA has changed their stance on loan eligibility for... »
Read More of the post Can a Surviving Spouse Use a VA Loan?

Extraordinary Closing Costs for Extraordinary People With Homes For Heroes

Jun 30 2017
Jamie

HomeBridge Financial Services and The Jamie Zeitz Team’s mission is to provide extraordinary savings to heroes who provide extraordinary services to our nation and our communities every day! Homes for Heroes, Inc. is the largest... »
Read More of the post Extraordinary Closing Costs for Extraordinary People With Homes For Heroes

Can You Receive Gift Funds For a VA Home Loan?

Jun 23 2017
Dan

Veterans are in a unique position when it comes to home loans. They are offered a number of great benefits such as easier qualifying, extremely competitive rates and of course zero money down. ... »
Read More of the post Can You Receive Gift Funds For a VA Home Loan?

Five Low Cost Home Improvements That Can Increase Property Value

May 17 2017
Homebridge

Considering selling your home in the next year or two? You may be surprised to hear that some of the simpler home improvement projects often bring the greatest return on your investment when... »
Read More of the post Five Low Cost Home Improvements That Can Increase Property Value

How To Buy A Home With Little Or No Money Down!

May 17 2017

One of the major reasons potential home buyers stay out of the real estate market is the affordability of down payment and closing costs. Buying a home is one of the biggest financial purchases... »
Read More of the post How To Buy A Home With Little Or No Money Down!

Three Questions to Ask Yourself Before You Start Looking for a Home

May 16 2017
Homebridge

There are many things to look at when deciding to buy a home. In addition to determining what you can afford (start with our mortgage calculator) and what type of loan works best for your personal... »
Read More of the post Three Questions to Ask Yourself Before You Start Looking for a Home

Getting a Home Mortgage with Credit Issues

May 3 2017

So, you are thinking about buying a home and are concerned that your credit may hold you back from your dream of home ownership. Well you are not alone; the number one reason... »
Read More of the post Getting a Home Mortgage with Credit Issues

Six Checkout Line Hacks

Apr 28 2017
Homebridge

It's frustrating to make your way to grocery or retail registers only to find long, winding lines that await you. And, sometimes it feels like you get stuck in the slowest one. These six... »
Read More of the post Six Checkout Line Hacks

Beware of These IRS Audit Triggers

Apr 19 2017
Homebridge

Now that tax season has come to a close, there's no better time to get organized for next year while everything is fresh in your mind. As a real estate agent, there are many... »
Read More of the post Beware of These IRS Audit Triggers

The Right Pro for the Job

Mar 21 2017
Homebridge

Whether buying a fixer-upper or updating their home to sell, clients may be interested in home renovations. If it's their first renovation-rodeo, give them some guidance on where to start when hiring a... »
Read More of the post The Right Pro for the Job

MortgageSMART – ESCROW…Not Scarecrow!

Mar 8 2017
Homebridge

When pursuing a Home Mortgage, one can become very anxious when learning about all of the costs that comprise a monthly payment. The mortgage payment is commonly believed to ONLY be comprised of... »
Read More of the post MortgageSMART – ESCROW…Not Scarecrow!

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