Investment Property Mortgage Loans

Financing Investment Property

Financing an investment property typically involves obtaining a mortgage loan or using alternative financing options specifically tailored for real estate investors. Here are some common methods for financing investment properties: Conventional Mortgage Conventional mortgages are widely available from banks, credit unions, and mortgage lenders.Investors typically need to make a higher down payment, often ranging from […]

Mortgage Loans

How a Mortgage Can Improve Your Tax Situation

Maximizing Tax Benefits: How a Mortgage Can Improve Your Tax Situation A mortgage can have several implications for your tax situation, and it typically involves deductions that can lower your taxable income. Here’s how: Mortgage Interest Deduction One of the most significant tax benefits of having a mortgage is the ability to deduct the interest […]

Mortgage Loans

Understanding Common Loan Terms

1. Principal The principal is the initial amount of money borrowed from a lender. It’s the baseline amount upon which interest accrues. For example, if you take out a loan for $10,000, the principal amount is $10,000. 2. Interest Interest is the cost of borrowing money, expressed as a percentage of the principal amount. It’s […]

Appraisals Mortgage Loans

Navigating Appraisal Exemptions

Navigating Appraisal ExemptionsAssessing Property Qualifications with Treasury Funds Home Loans, Inc. Some mortgage loans may not require an appraisal for several reasons: Loan Type Certain types of mortgage loans, such as FHA (Federal Housing Administration) loans or VA (Veterans Affairs) loans, have specific guidelines that may waive the requirement for a traditional appraisal under certain […]

Conventional Jumbo Loans Mortgage Loans

The California Conventional & Jumbo Loans

The California Conventional & Jumbo Loans and Their Differences In California, as in many other regions in the United States, there are two main categories of loan limits: Conventional Loan Limits and High-Balance loan limits. These limits are set by government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac, and they determine the maximum […]

Mortgage Insurance Mortgage Loans

Mortgage Insurance PMI & MIP Explained

Mortgage Insurance PMI & MIP Explained Mortgage insurance is a financial product designed to protect lenders in case borrowers default on their mortgage payments. It is typically required when the borrower’s down payment is less than 20% of the home’s purchase price. There are two primary types of mortgage insurance: Private Mortgage Insurance (PMI) for […]

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 […]

Credit Report Mortgage Loans

Everything You Should Know About Your Credit Score

Everything You Should Know About Your Credit Score Your credit score is a numerical representation of your creditworthiness, which is essentially an estimate of how likely you are to repay borrowed money. Credit scores are used by lenders, such as banks and credit card companies, to assess the risk of lending money or extending credit […]

Interest Rates Mortgage Loans

What Causes Interest Rate Fluctuations?

What Causes Interest Rate Fluctuations? Interest rate fluctuations in the California mortgage loan market, like any other market, are influenced by a variety of factors. Here are some key elements that can contribute to changes in mortgage interest rates: Economic Conditions: The overall economic conditions both in California and the broader national context play a […]

Mortgage Loans Property Tax

California’s Property Tax Assessments

California’s Property Tax Assessments Explained In California, property tax assessments are determined based on the market value of real property. The process involves several key components Assessment Value: The assessed value of a property is initially set at its fair market value at the time of acquisition, typically the purchase price. Proposition 13, a California […]