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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

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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

How to Manage Your Finances in Uncertain Times

March 26, 2020 by mthomas Leave a Comment

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Protecting yourself financially is just as important as your physical health We all want to do what we can to minimize the impact of the novel Coronavirus, Covid-19, on our lives. But practicing social distancing, ensuring we’re washing our hands enough, and working remotely all only protect us physically. If like many Americans you’re worried about your finances during these uncertain Continue Reading

How to Pick a Mortgage Broker

March 19, 2020 by mthomas Leave a Comment

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Buying a home is one of the biggest purchases any American makes, so make sure you're in good hands. Buying a home is complicated: you need to find the right property in your price range in an area that works for you - and those are just the first steps. One of the most critical parts of any home purchase is getting a mortgage. Almost every American isn't able to afford hundreds of Continue Reading

The Top 5 Reasons to Work With a Mortgage Broker

March 12, 2020 by mthomas Leave a Comment

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There are countless reasons to work with a broker, but some are more important than others Getting a mortgage can be a complicated and confusing process, which is why so many people recommend working with a mortgage broker. But it’s not always clear exactly why you should work with a broker, so we’ve put together a list of the top 5 reasons working with a mortgage broker is the only way to Continue Reading

Fixed vs Variable vs Adjustable Rate Mortgages – A Complete Guide

March 5, 2020 by mthomas Leave a Comment

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Different Mortgages Suit Different People It’s undeniable that mortgages are complex. Every lender has different products with different rates, fine-print, and requirements. And taking a step back from the finer details, there are differences even between the way interest builds up on your mortgage depending on the type! There are fixed rate, variable rate, and adjustable rate mortgages, Continue Reading

How Investing in Your Home Lets You Save

February 27, 2020 by mthomas Leave a Comment

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 You can grow your savings without managing a dozen different investment accounts There are so many options for investing in your future - buying stocks, investing in a mutual fund, opening an IRA account - to the point that it can be hard to pick one. However, there is another option that is very simple: investing in your home. By improving the value of your home, or raising the 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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