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Call (925) 776-1700
To speak with one of our skilled
Mortgage Consultants or click
below to request a consultation.

Can you afford the payments? This is an essential
factor. Remember when owning a home there are many
other costs involved that do not have to be accounted for
when you rent a home. These costs include property taxes,
insurance, maintenance, and other costs. Be sure to factor
these in when making your decision
How long will you stay? As a general rule of thumb, it is
best to buy when you plan on staying put for more than two
years. In some cases a shorter stay may be more costly.
Can you qualify for a mortgage? You will probably need
to make some amount of down payment when purchasing a
house, so you’ll need to figure out how much cash you have
on hand or available from other investments. You’ll also
need to think about your credit history and income in order
to secure a mortgage. Mortgage lenders will usually want to
see income documentation for the last two years to
determine a consistent level of income. They will also
examine your resources, for the down payment, and your
credit history, for your record of credit and credit repayment.

Will it give me any tax savings to own a home?
Depending upon your income, tax bracket, property value,
and amount of interest payments, owning a home could be
a huge tax advantage.

Is it Time to Buy?