Welcome to Zachery Adam’s Blog
Home-Buying Trends While the overall California housing market is slowing as interest rates inch higher, Santa Cruz real estate listings show no signs of hitting the brakes. If anything, the market reflects a “pedal to the metal” attitude. As a result, housing prices...read more
If you ever considered working in the Bay Area, then you know that just looking at photos of the Bay Area is enough to steal your heart and capture your imagination. Living there’s even better! Back when gold was rushing and towns were booming, people from all walks...read more
California Real Estate ~ Golden State homebuyers, sellers and lenders should take advantage of deals as they arise. The good news is that, after the worse drop since 1938, the U.S. economy has been growing steadily since 2010. Job growth has been stable as well,...read more
Tips to build your credit history so you can own your own home Having no credit is as bad as and sometimes even worse than having poor credit. When you don’t have any records with one of the major credit reporting agencies, then creditors really don’t have anything to...read more
Even independent mortgage lenders may unapprove your loan because of something you do. One of the smartest things you can do when you’re looking to buy a new home is to get pre-approved for a mortgage. Both banks and independent mortgage lenders issue pre-approvals....read more
Happy New Year! We’ve crossed the threshold from December 31st to January 1st and welcomed in a brand new year full of new possibilities. What does the New Year signify? No matter what you have in store for 2018, each day will be a new and exciting challenge. Whether...read more
Expected Real Estate Trends 2018 The 2018 Housing Market: What to Expect This Year Every year, there’s a lot of speculation across the industry about the home buying trends of the coming year. Real Estate Trends 2018 is no exception. There have been a lot of things...read more
Gratitude Across Generations: How Attitude Affects Home Buying Thanksgiving Day was celebrated this year on November 23rd. Always falling on the fourth Thursday of November, this national holiday is a time where families and friends all over the nation come together...read more
Happy Holidays from the Team at Prime Mortgage Lending, Inc. This holiday season we want to take a short break in writing about financing and real estate and talk a little about holiday traditions. A home in which to enjoy a cocoa by the fire, tell stories about...read more
Do You Qualify For a VA Mortgage? We often hear about VA loans, but what do they really entail? In short, a VA mortgage is a loan guaranteed by the United States Department of Veteran Affairs, an office also referred to as simply the VA. But the loan can be issued by...read more
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Go Prime Mortgage offers more mortgage types than most banks. Review the variety of mortgage loans and read their descriptions. To understand the differences call Zachery.
If you’re applying for a mortgage here’s an invaluable list of things to do or avoid during the process. Even seasoned real estate investors can use a refresher. Get good advice on the dos and don’ts of buying your first home in the Bay Area.
What do you need to apply for a loan? The answer is different for everyone. Here’s a complete list to give you an idea. While you won’t need everything on this checklist, review it to get an idea of what your independent mortgage lender will ask about. For a more specific list, send Zachery a message.
Everyone has questions about buying their first California home and applying for a mortgage loan. This page answers the most common questions people have. These frequently asked questions are a resource for you. See if your questions are answered here.
Law requires that you be provided the homebuyer’s guide when you apply for a loan. Before you dig into the massive text, here’s a helpful summary. You will get a copy; but this page summarizes what’s in that disclosure.
As you explore the rabbit hole of mortgage loans, you’ll come across terms and acronyms that you don’t know. Look here for help. You’re not expected to know all the terms and phrases. Look here first or ask any questions you may have.
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