Earthquake Proofing: What You Need to Know
by Michael Lam | Aug 26, 2015
California is ready and primed for a huge earthquake! Is your home ready to withstand such a disaster? Will your insurance cover such damanges from earthquakes?
Read More10 Tips for Real Estate Investing: I
by Michael Lam | Jan 30, 2016
Learning the basic fundamentals of an investor's DNA is just the beginning. There is more than just following xyz type steps. You must practice and continue to evolve and learn more. The more you can retain from other investors the better your positioned to benefit. Who am I?...
Read MoreHow much is my Loan Officer making?
by Michael Quihuiz | Jul 07, 2015
This is a common question, and one many borrowers seeking a home loan may find themselves asking. Even though the current lending laws and regulations are set up to make the loan process as transparent as possible, there still seems to be a lot of confusion surrounding the matter.
Read MoreHIDDEN: Pocket Listings - What are they?
by Jordan Mott | Aug 26, 2015
Do you know what a pocket listing is? Are you aware that these listings even exist? Realtor's who are savvy in this area can get you the deals investors dream of. With low inventory in today's market, you need to understand this hidden industry.
Read MoreMind of a Millennial Home Buyer
by Michael Lam | Sep 11, 2015
Really, why are Millenials so important! We hear this term thrown everywhere and why do they demand so much attention in the current real estate market and in the near term future?
Read MoreWhat Key Factor Determines Purchase Power?
by Michael Lam | Jul 05, 2015
Determining your exact purchasing power isn’t a straightforward formula. Every lender has different guidelines, but there are some common characteristics lenders use. They all use some form of threshold that they rely on to filter out unqualified borrowers. This threshold can be referred to as the “Debt to Income” ratio, also known as the DTI factor. It’s essentially a risk tolerance that tells a lender how much debt you can carry based on your income.
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