When I qualify a potential borrower for a mortgage I always ask "How's your credit looking?" Better to know up front what we're dealing with as credit scoring is a major factor on what kind of loan program and interest rate we'll be working with. They may convey that they see a certain credit score, ... » Learn More about Why the Credit Score You See Isn’t the One Used for Your Mortgage (or Car Loan)
Regulations and Laws
The New 2025 CalFire Fire Hazard Severity Zones Map: What’s Changed—and What Property Owners in SoCal Need to Know
There’s a brand-new 2025 CalFire Fire Hazard Severity Zones (FHSZ) map released April 25—and it’s not just a refresh. For property owners in Los Angeles and across Southern California, this update brings significant changes from previous maps, with real-world impacts on disclosures, maintenance, ... » Learn More about The New 2025 CalFire Fire Hazard Severity Zones Map: What’s Changed—and What Property Owners in SoCal Need to Know
LA’s Housing Dilemma: Why We Have More Renters and Fewer Homeowners
Over the past 50 years, homeownership rates in Los Angeles County have fluctuated due to economic conditions, housing policies, and demographic shifts. Between 1954 and 1989, California saw an average of more than 200,000 new homes built annually, with multifamily housing making up a significant ... » Learn More about LA’s Housing Dilemma: Why We Have More Renters and Fewer Homeowners
San Fernando Valley / Los Angeles Real Estate: Trends Shaping the Market in March 2025
There are numerous elements interacting right now that are shaping the San Fernando Valley and Los Angeles real estate markets. Some key factors include inventory levels, interest rates, government-imposed tariffs, layoffs, wildfires, insurance, and HOA issues. Let’s break down some of this. For ... » Learn More about San Fernando Valley / Los Angeles Real Estate: Trends Shaping the Market in March 2025
FHA’s 203(h) Mortgage Insurance for Disaster Victims program
Experiencing the devastation of losing a home to a wildfire is an unimaginable hardship. In such times, understanding the resources available can be a beacon of hope. One such resource is the FHA's 203(h) Mortgage Insurance for Disaster Victims program, designed to assist individuals in rebuilding ... » Learn More about FHA’s 203(h) Mortgage Insurance for Disaster Victims program