Buyers Pre-Qualification

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 […]

Appraisals Buyers Refinance

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. […]

Buyers Relocation Southern California

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 […]

Buyers Mortgage Loans Purchase

13 Steps to a Stress Free Move

Moving can be a stressful process, but there are several strategies you can implement to reduce the associated stress. Here are some tips to help alleviate the stress of moving: 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 […]

Buyers Sellers Title Company

The Title Company

The Title Companyfor Buyers & Sellers A title company serves a vital role for both the buyer and the seller in a real estate sales transaction. Here’s an overview of what a title company does for each party: For the Buyer Title Search The title company conducts a thorough title search to examine public records […]

Buyers Closing Costs Mortgage Loans Refinance

Closing Disclosure Explained

Closing Disclosure Explained The Closing Disclosure is a comprehensive five-page document that furnishes conclusive details regarding the mortgage loan you’ve chosen. It outlines the loan terms, provides a projection of your monthly payments, and delineates the fees and additional costs associated with obtaining your mortgage, commonly referred to as closing costs. Mandatory by regulation, the […]

Buyers Mortgage Loans

Understanding the Mortgage Application Process

Understanding the Mortgage Application Process The mortgage application process involves several steps from the initial application to the closing of the loan. Here’s an overview of each stage: Preparation and Research Selecting a Lender Property Search and Offer Formal Mortgage Application Loan Processing Underwriting Loan Approval and Closing Disclosure Pre-Closing Preparations Closing Post-Closing When you […]

Buyers Mortgage Loans Refinance

Explore Flexible Mortgage Terms: Choose Any Duration Between 8 and 30 Years

Explore Flexible Mortgage Terms: Choose Any Duration Between 8 and 30 Years Having the flexibility to choose a mortgage loan term ranging from 8 to 30 years offers numerous benefits for borrowers. Customized repayment period means borrowers can tailor the loan term to their financial situation and goals. Shorter terms, like 8 to 20 years, […]

Buyers Mortgage Loans RealtorĀ® Resources

Origination Fee Reduction Program

TFHL Inc Home Loan Origination Fee Reduction Program Under the TFHL Inc Home Loan Origination Fee Reduction Program, TFHL, Inc. is slashing its mortgage loan origination fees to a mere 0.50 points, offering an unprecedented reduction for borrowers. Throughout this period, Treasury Funds Home Loans, Inc. will be originating mortgage loans with a minimal mortgage […]

Buyers RealtorĀ® Resources Sellers

Key Qualities of a Good Real Estate Agent

What Qualities Define an Exceptional California Real Estate Agent? For both buyers and sellers, having a seasoned professional by your side can be a game-changer. Here are the key attributes to seek when on the lookout for the finest real estate agent in California: Unwavering Professionalism Outstanding real estate agents exude professionalism in every circumstance. […]