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Home > Archives for April 2020

Archives for April 2020

When is the Right Time to Talk to a Mortgage Broker?

April 30, 2020 by mthomas Leave a Comment

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Whether you’re thinking about buying a home or refinancing, talking a mortgage broker can give you the advice you need There’s a ton of information online about why to work with a mortgage broker - and we’ve talked about it too - but it’s not always clear when you should get in touch. Is it when you start your application to a bank, when you start looking for a home, or some other time? The Continue Reading

What a Mortgage Does to Your Credit Score

April 23, 2020 by mthomas Leave a Comment

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Your credit score helps you qualify, and your mortgage can help your credit score We’ve talked before about how important your credit score is to any mortgage proceeding. Your credit rating is an indication of how reliably you handle paying back loans given to you, so it makes sense that it would have an effect on how you qualify for a mortgage. What most gloss over though, is how a Continue Reading

How to Get Started With a Mortgage

April 16, 2020 by mthomas Leave a Comment

Starting your mortgage application can be frightening, but it doesn’t have to be Every American’s journey to homeownership is different, but nearly all of them involve a mortgage - and getting started with an application can be daunting and confusing. Lenders can require dozens of documents, the process can feel overwhelming, and everything needs to be done before the purchase deadline. If Continue Reading

Mortgage Insurance: What It Is, and Why You Might Need It

April 9, 2020 by mthomas Leave a Comment

Cozy single family home

Mortgage insurance can make funds more accessible, even at high loan amounts Traditionally, Americans who are searching for their first home are told to save up a down payment equal to 20% of the purchase price of any property they buy. This gives them a healthy amount of equity in their home, making financing accessible and affordable when pursuing a mortgage. But not everyone can afford Continue Reading

Why You Need an Appraisal for a Mortgage

April 2, 2020 by mthomas Leave a Comment

A mortgage is a puzzle, and an appraisal is one of the most important pieces There are so many things that go into funding a mortgage, whether that’s collecting the right documentation, finding the right lender, or making sure that everything is getting done before closing. But one of the most important parts of any mortgage is the appraisal. An appraisal for a mortgage is like any other Continue Reading

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Michael Thomas

Michael Thomas is one of the leading Mortgage Brokers in California. He manages his files directly and keeps his clients updated every step of the way. A Real Estate Broker as well, Mr. Thomas is extremely well versed with the purchase transaction process. As a lifelong resident of San Diego with a Master’s Degree in Business Administration, he’s uniquely qualified to help Californians achieve their real estate financing goals.

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