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- Reverse Mortgages
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- Submit a Second-Mortgage Scenario
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Caring for your home
- A pool service should leave you with more than clear-looking water
- Electrical warning signs: what to notice and when to call
- The fall walkthrough: follow water, leaves and unfinished repairs
- Find your water shutoff before you need it
- A higher water bill? Check the quiet places first
- Your first month at home: learn the house before changing everything
- Gutters: follow the water all the way away from the house
- Thinking about a heat pump? Start with your home, not a sales pitch
- How to compare home-service contractors without guessing
- A home battery starts with one question: what needs to keep running?
- A fire escape plan you can actually practice
- Your insurance renewal deserves more than a glance at the premium
- Make a home inventory without turning it into a second job
- A simple HVAC routine before the house gets uncomfortable
- Homeowner Guides
- Watch one sprinkler cycle. You may learn more than from the bill
- Before you spray: identify the pest and the invitation
- Pool safety starts before anyone gets in the water
- What you can learn about your roof without climbing on it
- Smoke and carbon monoxide alarms: know what you have and what to do
- Before signing for solar, ask what happens when life changes
- Do your solar panels need cleaning, or a different kind of attention?
- Your spring home reset: a few useful checks, not an endless list
- Summer at home: prepare for heat before it becomes a scramble
- Termite concerns: what to ask before approving treatment
- Before someone cuts your tree, ask these questions
- Get to know your water heater before the hot water disappears
- Wildfire preparation starts at the house
- Prepare a cleaner air room before wildfire smoke arrives
- Winter home care: warmth, water and a workable outage plan
- A yard you enjoy should not require a mystery maintenance plan
- Contact Home Ownership
- Find Qualified Home Service Help
- Fire & Safety in Placer County: Homeowner Resource Guide
- Heating & Cooling in Placer County: Homeowner Resource Guide
- Hiring Help in Placer County: Homeowner Resource Guide
- Home Ownership & Homeowner Guidance
- Insurance & Planning in Placer County: Homeowner Resource Guide
- New Homeowner in Placer County: Homeowner Resource Guide
- Pest Control in Placer County: Homeowner Resource Guide
- Pool Care in Placer County: Homeowner Resource Guide
- Roof & Gutters in Placer County: Homeowner Resource Guide
- Your Seasonal Home Checklist
- Seasonal Care in Placer County: Homeowner Resource Guide
- Solar & Energy in Placer County: Homeowner Resource Guide
- Water & Plumbing in Placer County: Homeowner Resource Guide
- Yard & Garden in Placer County: Homeowner Resource Guide
Moving and communities
- Sacramento Mortgage and Housing Updates for Real Estate Agents
- Contact Relocation
- Placer County Local Life, Events & Places to Explore
- Placer County Relocation Services & Guidance
- New Home Builders & Communities in Placer County
- Moving to Alpine Meadows: Community Guide
- Moving to Alta: Community Guide
- Moving to Applegate: Community Guide
- Moving to Auburn: Community Guide
- Moving to Bickford Ranch: Community Guide
- Moving to Bowman: Community Guide
- Moving to Carnelian Bay: Community Guide
- Moving to Cedar Flat: Community Guide
- Moving to Clipper Gap: Community Guide
- Moving to Colfax: Community Guide
- Moving to Dollar Point: Community Guide
- Moving to Dry Creek / West Placer: Community Guide
- Moving to Dutch Flat: Community Guide
- Moving to Emigrant Gap: Community Guide
- Moving to Foresthill: Community Guide
- Moving to Gold Run: Community Guide
- Moving to Granite Bay: Community Guide
- Moving to Homewood: Community Guide
- Explore Placer County Cities & Communities
- Moving to Iowa Hill: Community Guide
- Moving to Kings Beach: Community Guide
- Moving to Kingvale: Community Guide
- Moving to Lincoln: Community Guide
- Moving to Loomis: Community Guide
- Moving to Martis Valley: Community Guide
- Moving to Meadow Vista: Community Guide
- Moving to Newcastle: Community Guide
- Moving to North Auburn: Community Guide
- Moving to Olympic Valley: Community Guide
- Moving to Ophir: Community Guide
- Moving to Penryn: Community Guide
- Moving to Placer One: Community Guide
- Moving to Rocklin: Community Guide
- Moving to Roseville: Community Guide
- Moving to Serene Lakes: Community Guide
- Moving to Sheridan: Community Guide
- Moving to Sunnyside-Tahoe City: Community Guide
- Moving to Tahoe City: Community Guide
- Moving to Tahoe Vista: Community Guide
- Moving to Tahoma: Community Guide
- Moving to Weimar: Community Guide
- Your Placer County Relocation Welcome Plan
Articles and answers
- The next move — Blog
- The appraisal is late and my deadline is coming. What do I do?
- The appraisal may require repairs. Should we change the loan?
- I refinanced my car. Which payment counts for my mortgage?
- My business makes money. Why do my tax returns show too little for the mortgage?
- My business pays my car loan. Does it still count against my mortgage?
- Why does my mortgage payment keep changing?
- My closing costs changed. Can someone explain what happened?
- I co-signed a family member's mortgage. Will it count against my next loan?
- What if I qualify for more house than I want to pay for?
- We switched to FHA. Can we still use the appraisal we already paid for?
- My credit report and title report disagree. Which debts count?
- Divorce buyout with a second mortgage: how much cash can you actually get?
- Should I put more down or use the money to lower my rate?
- The rental qualifies for a DSCR loan. Is it a good investment for you?
- How much mortgage payment fits after we count the other debts?
- Can I buy a duplex with a small down payment and use the rent to qualify?
- A family member is helping with my down payment. Why all the paperwork?
- Can I keep an FHA mortgage and add a second loan for a divorce buyout?
- An FHA streamline lowers the payment. Is the refinance worth it?
- Buying your first home starts with a conversation
- Your down payment is not the whole number
- Down payment help can be useful. The terms still matter.
- The right loan is the one that fits the whole plan
- What happens when you buy your first home?
- How much house can you comfortably afford?
- Ask the question you think you should already know
- Does my mortgage use gross pay or take-home pay? What about a raise?
- A HECM line of credit: where home equity may fit in a retirement plan
- Reverse mortgage: monthly cash, a credit line, or both?
- Why is the HELOC payment used to qualify higher than the quoted payment?
- Can I use home equity to help buy a commercial property?
- Can I use home equity to buy a rental property?
- AI Is Coming to Town. What Happens Next?
- America's Consumer Split Screen
- The Fed May Move. Your Mortgage Rate May Not.
- I changed jobs or took time off. Can I still get a mortgage?
- How to research development near a Placer County property
- A Placer County home search needs a location specific property brief
- California insurance questions belong near the start of the home search
- Utilities and rural property questions to answer before financing
- SK hynix raised $26.5 billion as Delta tested the strength of the consumer
- Oil climbed to $73.88 as a 9% Korean selloff exposed the other side of the AI boom
- Kevin Warsh told Congress housing was lagging while inflation remained the Fed's test
- Cooler inflation gave bonds room to breathe, but shelter kept housing cautious
- A 41.4 Philly Fed reading complicated the case for lower rates
- A 14% weekly oil rally put household resilience and inflation on a collision course
- Brian Moynihan warned inflation could linger as Treasury yields opened Fed week higher
- D.R. Horton cut its outlook as mortgage costs kept demand from becoming closings
- Brent touched $95 as the 10-year Treasury reached 4.65%
- Oil above $90 and a 4.70% Treasury yield tightened the housing vise
- Treasury yields held near 4.67% as Oracle signed a Pentagon agreement worth almost $7 billion
- Oil fell 7.5% as a U.S.-Iran pause gave Fed week a less inflationary start
- Oil near $81 gave the Fed a little room, but markets still priced a live decision
- The Fed held at 3.50% to 3.75%, but three officials wanted a hike
- Microsoft surged while the 30-year Treasury reached 5.22%
- Amazon jumped, Apple fell 7.4%, and the 10-year Treasury reached 4.71%
- Oil fell almost 5.5%, but a 5.23% long bond kept housing cautious
- Oil plunged, Palantir surged, and the bond market found a little relief
- Services expanded, hiring contracted, and Treasury held supply steady
- Low layoffs met rising continuing claims, leaving mortgage rates without an all-clear
- A weak July jobs report pulled Treasury yields lower, but housing got a mixed message
- After the jobs report, attention turns to CPI and PPI
- Oil and Treasury yields rise before tomorrow's inflation report
- Inflation matched forecasts, and bonds held steady
- Producer prices held flat, but core pressure stayed firm
- Retail sales fell and Treasury yields eased
- Rates finish a mixed data week slightly lower
- Homebuyers await housing data and Fed minutes
- Mortgage rates start higher as oil and bond-market pressure builds
- July housing starts cool as borrowing costs remain elevated
- Long-term Treasury yields keep pressure on mortgage pricing
- A busy economic calendar puts housing data in focus
- July new-home sales estimate leads Tuesday's housing picture
- July inflation stays elevated as income and orders strengthen
- Are doctor loans only for physicians?
- A first time buyer cash plan is more than a down payment
- A useful HECM conversation includes the whole housing plan
- HELOC or home equity loan: begin with the job the money must do
- Jumbo loan preparation rewards an organized balance sheet
- The clean financing handoff: what a real estate professional should send first
- Renovation financing starts with scope, contingency and control
- Self employed mortgage preparation: make the income story easy to follow
- VA loan readiness: the questions worth answering before the home search
- How much would I need to pay down to lower my mortgage payment?
- What California homebuyer professionals should know about the 2026 CalHFA bulletin stream
- FHA signaled broader eligible credit scoring models
- FHA increased the maximum draw requests for Limited 203(k) loans
- FHA asked for input on modernizing minimum property requirements
- VA clarified how home energy ratings may be used in underwriting
- VA clarified documentation for certain itemized fees and charges
- Can rent from a new tenant help me qualify for a home equity loan?
- Is this home a duplex or a house with an ADU? Why it matters for the loan
- We have a power of attorney. Why does the lender still need ID documents?
- A financing partner who stays in the transaction.
- Help the buyer get ready without asking the agent to qualify them.
- A status update should tell you what changed and what happens next.
- Plan the financing before the buyer falls in love with the next home.
- Evaluate the financing in front of you, not a rumor about the program.
- The preapproval letter is one part of the offer conversation.
- First-Time Buyer Conversation Guide
- Move-Up Buyer Planning Worksheet
- Sacramento-Area Homebuyer & Homeowner Resource Hub
- VA Offers: Myth vs. Fact
- Agent buyer-readiness and offer-support toolkit
- First-home cash-to-close checklist
- Home equity comparison worksheet
- Reverse mortgage family conversation guide
- VA COE and offer preparation checklist
- Can I keep an inherited home and buy out the other beneficiaries in retirement?
- Your home equity is part of the plan. Let's understand the tradeoffs.
- No required monthly mortgage payment does not mean no cost.
- Counseling is a protection, not a sales step.
- Clear loan facts for the tax and cash flow conversation.
- Helping a parent starts with listening, not selling.
- A financial planner’s guide to HECM reverse mortgages
- A HECM can be used to buy a home, not only refinance one.
- How does a reverse mortgage work?
- Is a reverse mortgage right for me?
- HECM updates
- Can a family use a power of attorney for a reverse mortgage?
- Can I sell my home and buy the next one on the same day?
- Your first mortgage can stay put. Let's look at what a second loan would change.
- Same equity. Different ways to borrow.
- The payment is only part of the cost.
- Using home equity for debt consolidation
- Borrow what you need, when you need it. Understand what can change.
- One amount. One repayment plan. Your home secures it.
- Using home equity for repairs and improvements
- Should you borrow against your home?
- Start with the goal. Then verify the numbers.
- Can we use one year of tax returns for my mortgage?
- Can seller credits pay for a lower mortgage rate?
- We already signed. Can we close sooner?
- Why can fees become a bigger issue on a smaller mortgage?
- Will the solar panels create a problem with my mortgage?
- Their first home at 62. A beginning worth waiting for.
- Temporary buydown or a permanently lower rate: which helps more?
- Why is my phone bill showing up in my mortgage debt?
- You earned the benefit. Let's make sure you understand how to use it.
- What does a VA appraisal check?
- How does buying a home with a VA loan work?
- What is a VA cash-out refinance?
- Am I eligible for a VA home loan?
- Can I use my VA home loan benefit again?
- What does a VA loan cost?
- What is a VA IRRRL refinance?
- What other VA housing help may be available?
- Which VA refinance option fits what I am trying to do?
- Can a surviving spouse get a VA home loan?
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