First-Time Homebuyer Guide Buying your first home is an exciting milestone, but it requires careful planning. Treasury Funds Home Loans, Inc. is here to guide you through every step. Follow these key steps to ensure a smooth and successful home purchase. Assess Your Financial Readiness Review Your Credit Score Your credit score impacts your mortgage […]
Buyers
A Path to Homeownership
Understanding Lease-to-Own Properties: A Path to Homeownership Lease-to-own properties, also known as rent-to-own or lease-option homes, provide tenants with the opportunity to eventually buy the home they are renting. Here’s a breakdown of how this process typically works: Lease Agreement This legally binding contract outlines the rental terms, including monthly rent, lease duration, security deposit, […]
Steps to Buying Your First Home
How to Prepare as a First-Time Homebuyer Buying a home for the first time is a significant milestone and requires careful planning and preparation. Treasury Funds Home Loans, Inc. is here to help homebuyers every step of the way. Here are key steps a first-time homebuyer should take to ensure a smooth and successful home […]
Navigating the Home Buying Process in California
Navigating the Home Buying Process in California: A Comprehensive Guide Purchasing a home in California involves several key steps and considerations. Here’s a breakdown of the process: Financial Preparation Assess your financial situation, including your credit score, income, savings, and debt-to-income ratio.Determine how much you can afford to spend on a home, factoring in your […]
Benefits of Homeownership
There are many benefits to owning your own home. Here are just a few: Equity Building When you own a home and make mortgage payments, you’re gradually building equity in the property. Equity represents the difference between the property’s value and the outstanding mortgage balance. Over time, as you pay down the mortgage and potentially […]
10 Tips for Homebuyers
Key factors for Homebuyers Budgeting Understand your financial situation thoroughly. Determine how much you can afford to spend on a home by considering your income, expenses, savings, and any debts you may have. Use online calculators or consult with Treasury Funds Home Loans, Inc. Credit Score Your credit score plays a crucial role in obtaining […]
Figuring Your Debt-to-Income Ratio
Figuring Your Debt-to-Income Ratio Calculating your debt-to-income ratio (DTI) is a crucial step in the mortgage loan application process. Lenders use this ratio to assess your ability to manage monthly mortgage payments in relation to your existing debts. The DTI is expressed as a percentage and is calculated by dividing your total monthly debt payments […]
How Does an Appraisal Impact My Mortgage?
How Does an Appraisal Impact My Mortgage? A home appraisal is an essential step in the mortgage application process that involves determining the fair market value of a property. It is conducted by a licensed and certified appraiser who assesses various aspects of the home to provide an unbiased and professional opinion on its value. […]
Considering a Move to SoCal?
Living in Southern California comes with several advantages, making it a desirable place for many individuals and families. Here are some key advantages to living in Southern California: Mild Weather: Southern California is known for its mild and pleasant climate, characterized by warm summers and mild winters. The abundance of sunny days is a significant […]
13 Steps to a Stress Free Move
Step 1: Contact Treasury Funds Home Loans, Inc. for your mortgage loan needs From pre-qualification to the close of your loan, we’re here to make the loan process the least of your worries. Step 2: Plan Ahead Create a Timeline – Develop a moving schedule well in advance. This includes deadlines for packing, hiring movers, […]