Tax Deductions

Deductible Homeowners Expenses One of the advantages of owning your own home is that the home mortgage interest and real estate taxes paid can be deducted from your federal income tax.* To do so, youll need to comply with current tax laws and complete the appropriate...

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Down Payments

Verifying Assets for Your Down Payment, Closing Costs, and Reserve A critical step in the mortgage loan application process is to verify the sources for your down payment, closing costs and reserves. Down Payment and Closing Costs Documenting that the down payment...

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How Escrow Works

Title and escrow services are typically performed by the same company in Northern California and Nevada. In other areas, these services may be performed by two separate companies or by an attorney. To finalize the sale of the home a neutral, third party (the escrow...

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What’s a Debt-to-Income Ratio?

Your debt-to-income ratio is simply a way of determining how much money is available for your monthly mortgage payment after all your other recurring debt obligations are met. Debt Limit There is generally a debt limit associated with each type of loan, such as a...

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