Down Payment Assistance Options – Today’s Highlight: Housing Trust Silicon Valley (HTSV):

by Irene Moustakas | Feb 28, 2024 | 1st Time Homebuyers

Housing Trust Silicon Valley (HTSV) is a Community Development Financial Institution (CDFI) that helps Silicon Valley residents secure down payment assistance to purchase their first home as their primary residence. HTSV has two programs with different features and...

DOWN PAYMENT ASSISTANCE OPTIONS – Today’s Highlight: California Housing Finance Agency (CalHFA)

by Irene Moustakas | Feb 7, 2024 | 1st Time Homebuyers, Loan Programs and Products

Did you know that there are some lenders and organizations that offer down payment assistance (DPA) programs? Most require you to be a first time homebuyer and they stipulate maximum income limitations per county and/or household size. But there can be some great...

Freezing Your Credit Report

by Irene Moustakas | Dec 7, 2023 | Tips

‘Tis the season for hot cocoa, holiday parties, and Christmas shopping! It is also the season that we are more susceptible to fraud and identity theft. Monitoring your credit is key, and one additional thing you can do is to freeze your credit. What this means...

Breaking News: Increased Conforming Loan Limits!

by Irene Moustakas | Nov 28, 2023 | Featured, Industry News

Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pinterest (Opens in new window)Click to print...

The “Buy Before You Sell” Program

by Irene Moustakas | Nov 28, 2023 | Industry News, Loan Programs and Products

I have mentioned the Buy Before You Sell program in a previous blog that reviews options homeowners may have in purchasing a new home prior to selling their existing. This program is one of those options, and I would like to delve into it a little more. It may not...

Back to Basics: What Makes Up A Housing Payment?

by Irene Moustakas | Nov 9, 2023 | Uncategorized

When you buy a home, your base payment responsibilities are (1) Mortgage payment, (2) Property Taxes, and (3) Homeowners Insurance. You may see some mortgage professionals refer to this as PITI (Principal Interest Taxes Insurance). However, your payment...

Follow Me On Instagram!

by Irene Moustakas | Nov 7, 2023 | Business Promotion, Featured

instagram.com/loans_by_irene  **  I’ll provide brief market updates, tips and insights. See you there! Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click...

A 1% Down Payment Loan is Now Available (!)

by Irene Moustakas | Oct 25, 2023 | Industry News, Loan Programs and Products

Have you heard about the 1% down loan offered by Rocket Mortgage? Well, it’s available! It may be a little prohibitive in California considering real estate prices are higher than the national average, but there may be pockets where it’s possible. The loan program is...

Back to Basics: The Loan Process

by Irene Moustakas | Oct 17, 2023 | 1st Time Homebuyers, Tips

We’re going back to basics! I have just added this flyer to my “Resources” page and want to highlight it here as well. Let me know if you have any questions. Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens...

Loan Options for Self-Employed Individuals

by Irene Moustakas | Oct 10, 2023 | Loan Programs and Products

It can be quite frustrating if you do not qualify for a traditional loan due to how you file your tax returns. If you are a salaried employee, your income is calculated based on your gross, but when you are self-employed, your income is calculated based on your net....