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 […]
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 […]
Importance of Saving for a Down Payment
The Importance of Saving for a Down Payment Purchasing a home is a significant milestone in many people’s lives. It not only provides a sense of stability and security but also offers the opportunity to build equity and create a place to call your own. However, one of the biggest hurdles to homeownership is saving […]
The Power of Pre-Qualification
The Power of Pre-Qualification with Treasury Funds Home Loans, Inc. In the bustling world of California real estate, the key to securing your dream home is often hidden in the details—specifically, the benefits of being pre-qualified for a home mortgage loan. Whether you’re a seasoned homeowner, a first-time buyer, or a real estate agent navigating […]
6 Steps: Preparing to Buy a Home
There are many things to take into consideration when preparing to buy a home. Below, I have outlined 6 key issues that are important for you, a prospective homebuyer, to address. Each item is detailed below the outline. Review your credit Once you decide you may be in the market to buy a home, you’ll […]
California’s Rising Rents
California’s Rising Rents California has been seeing rapidly risings rents since 2021. Not unlike the spike in costs for goods and services, rent is rising faster than worker incomes, especially here in California. A reason behind these rent increases is due to demand being greater than existing supply. Much construction has been delayed due to […]