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?

10 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?...

How 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.

HIDDEN: 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.

Mind 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?

What 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.