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Questions to Ask About the Area Where You are Home Shopping

November 24, 2023 by Mortgage Consultants Group

Shopping for a home is one of the most exciting things you will do in your life. Chances are good you are putting most of your thought and energy into finding your dream home: the right layout and features, and a beautiful design inside and out. But you should not overlook the importance of choosing a lovely home in the right area. Here are some questions to ask as you shop.

Home Buying in Rancho Cordova CA
    1. How close is it to where you work? Let’s say you found your dream home, but it is an hour and a half away from a job you intend to remain at for many years. Then, perhaps, you found another home that is not quite as perfect, but it is just thirty minutes from your workplace. Which do you choose? Many people would take their dream home, figuring they can stand the commute. But after a few years, a long commute can really erode at your feelings for your home. You should strongly consider picking a home that minimizes your commute.
    1. How are the schools? If you have children or plan to, make sure that you are buying a home in a great school district.
    1. Is the neighborhood safe? How would you feel going out for a walk after dark in the neighborhood where you are home shopping? How would you feel about your kids running around outside unsupervised? It is worth it to pick a safe neighborhood, even if it means paying a little more.
    1. How quiet is it? Noisy streets or neighbors may drive some homeowners crazy, while leaving others un-phased. You will need to decide whether the neighborhood will be quiet and peaceful enough for you to live happily.
    1. Do you like the aesthetics of your surroundings? Depending on your budget, the appearance of the neighborhood may be one area where you end up compromising. When you are in your home, after all, you do not have to look outside, so you may be able to be contented even in a neighborhood you consider unattractive. If you like to spend a lot of time out in your yard though, or if you are seeking pleasing views through large windows, it may be worth it for you to choose a neighborhood that is as beautiful as the home you are purchasing.
    1. Is there a micro-climate? You probably already are familiar with the overall climate where you are shopping for a home. But have you considered the impact of micro-climates? Depending on the exact spot where a house is situated, average temperatures could be a bit warmer or cooler than they are for other homes, sometimes even in the same neighborhood. If you want to save on your heating and cooling costs and live as comfortably as possible throughout the year, you may want to be highly selective with respect to this criteria.
  1. What will happen with this area in the future? All of the things we discussed above have to do with assessing the neighborhood where you will buy a home as it exists presently. But it is important to keep in mind that change is a constant. Try and research the real estate market and zoning regulations for the area. How likely is it that developers might move in? Could a neighborhood that is quiet and open today end up becoming crowded with buildings and people a few years down the road? Keep in mind that future real estate development can also impact the value of your property. On one hand, it is good for your investment for the value of your property to climb. But on the other hand, it can cause your property taxes to rise as well.

Find the Right Mortgage for Your Home Purchase

Now you know more about choosing the right area for your new home. The next step you will need to take is to start shopping for the right mortgage. Mortgage Consultants Group can assist you in Rancho Cordova or anywhere in California. To schedule your consultation now, please give us a call today at (916) 669-1682.

Filed Under: Buy A Home Tagged With: California, Rancho Cordova, Tips For First Time Home Buyer

Why Rancho Cordova Is Your Next Home: 5 Compelling Reasons

July 20, 2023 by Mortgage Consultants Group

Mortgage Broker in Rancho Cordova CA

Rancho Cordova is a city located in Sacramento County, California. It offers a vibrant and diverse community that comes with plenty of opportunities for both residents and tourists. Read on to discover some of the reasons why you should consider moving to Rancho Cordova.

5 Reasons Rancho Cordova Should Be Your Next Home

  1. Move to Rancho Cordova for Its Thriving Economy. Rancho Cordova has a thriving economy, with a large number of companies and businesses operating in the city. The top employers in the area include Dignity Health, VSP Global, and Aerojet Rocketdyne, among others. This means that you’ll have plenty of job opportunities if you’re looking to move to the area. The city also has a business-friendly environment, with low taxes and a streamlined permitting process. This has attracted many companies to the area, and it’s no surprise that Rancho Cordova is one of the fastest-growing cities in California.
  2. Move to Rancho Cordova for More Housing Opportunities. Rancho Cordova has a range of housing options to suit different lifestyles and budgets. From single-family homes to apartments and condos, you’ll find something that suits your needs. The city also has a low cost of living compared to other cities in California, making it an affordable place to live. In addition, the city has a good mix of urban and suburban areas, so you can choose to live in a bustling neighborhood or a quiet suburb, depending on your preferences. The housing market in Rancho Cordova is also competitive, so you’ll need to act quickly if you find a property you like.
  3. Move to Rancho Cordova for Quality Education. Rancho Cordova has some of the best schools in the state, which is great news if you’re a parent. The Folsom Cordova Unified School District serves the area, and it has a range of public and private schools that offer quality education. There are also several universities and colleges in the greater Sacramento area, including California State University Sacramento, which is just a few miles away from Rancho Cordova. This means that you’ll have plenty of options if you’re looking to further your education or enroll your children in college.
  4. Move to Rancho Cordova for Its Recreation Opportunities. Rancho Cordova has plenty of recreational opportunities for residents and visitors alike. The city is home to the American River Parkway, which is a 23-mile trail that runs along the American River. You can hike, bike, or jog along the trail and enjoy the beautiful scenery. The city also has several parks, including Hagan Community Park, which has sports fields, picnic areas, and a playground. There are also several golf courses in the area, such as the Mather Golf Course and the Cordova Golf Course.
  5. Move to Rancho Cordova for Its Rich Culture. Rancho Cordova has a rich culture that reflects its diverse population. The city hosts several cultural events throughout the year, such as the annual International Festival and the Rancho Cordova Fourth of July Celebration. The city also has a vibrant arts scene, with local artists showcasing their work in galleries and exhibitions. You can also catch a performance at the Harris Center for the Arts, which is located in nearby Folsom.

Conclusion

Rancho Cordova is a wonderful place to live, work, and play. With a thriving economy, affordable housing, quality education, and plenty of recreational opportunities, it’s no wonder that so many people are moving to the area. Now, if you’re considering a move to California, make sure to check out Rancho Cordova and see what the city has to offer.

Contact Mortgage Consultants Group Today!

Do you need help purchasing a home in Rancho Cordova? Mortgage Consultants Group is here to help you find the perfect home, contact us at (916) 669-1682. With over 29 years of experience and flexible financing options, we can make your homebuying or refinancing dreams happen. Don’t wait–reach out to our friendly loan experts now!

Filed Under: Buy A Home Tagged With: California, Rancho Cordova, Tips For First Time Home Buyer

A Beginner’s Guide to Homeownership

June 19, 2023 by Mortgage Consultants Group

First Time Home Buyer in Rancho Cordova CA

Mortgage loans are a popular way for individuals to purchase their dream homes without having to pay the entire cost upfront. However, not everyone can qualify for a traditional mortgage loan. And this is where guaranteed mortgage loans come in.

Guaranteed mortgage loans are a type of mortgage loan that is backed by the government, making it easier for individuals to qualify for a mortgage loan.

Understanding Guaranteed Mortgage Loans

Guaranteed mortgage loans are a type of mortgage loan that the government backs. This means that the government guarantees the loan, making it easier for lenders to offer these loans to individuals who may not qualify for a traditional mortgage loan. The most common types of guaranteed mortgage loans are VA loans, FHA loans, and USDA loans.

  • VA Loans. VA loans are guaranteed by the United States Department of Veterans Affairs. These loans are available to veterans, active-duty service members, and eligible surviving spouses. VA loans are designed to help individuals purchase homes without making a down payment. This makes purchasing a home easier for individuals who may have a limited amount of savings.
  • FHA Loans. FHA loans are guaranteed by the Federal Housing Administration. These loans are available to individuals who may not qualify for a traditional mortgage loan. They require a lower down payment than conventional mortgage loans, making it easier for individuals to purchase a home. FHA loans also have lower credit score requirements than traditional mortgage loans, making it easier for individuals with lower credit scores to qualify.
  • USDA Loans. USDA loans are guaranteed by the United States Department of Agriculture. These loans are available to individuals looking to purchase a home in a rural area. They require no down payment, making buying a home more accessible for individuals who may need more savings. USDA loans also have lower credit score requirements than traditional mortgage loans, so those with lower credit scores can be eligible.

Benefits of Guaranteed Mortgage Loans

There are many benefits to choosing a guaranteed mortgage loan over a traditional mortgage loan. The main advantage is that these loans are easier to qualify for. Individuals not approved for a traditional mortgage loan may be eligible for a guaranteed one.

Guaranteed mortgage loans also have lower down payment requirements and lower credit score requirements than traditional mortgage loans, making it easier for individuals to purchase a home.

Another benefit of guaranteed mortgage loans is that they often have lower interest rates than traditional ones. This can save individuals thousands of dollars over the life of the loan. These loans also have more flexible terms than traditional mortgage loans, making it easier for individuals to customize their finance to fit their needs.

Conclusion

Guaranteed mortgage loans are an excellent option for individuals who may not qualify for a traditional one because these are backed by the government. These loans offer many benefits, including lower down payment requirements, lower credit score requirements, and lower interest rates.

Contact Your Mortgage Expert in California Today!

If you are looking to purchase a home but need help qualifying for a traditional mortgage loan, a guaranteed mortgage loan may be the right option for you. Our home loan consultants and experts at Mortgage Consultants Group are more than happy to assist you. Contact us today at (916) 669-1682 and move into your dream home soon!

Filed Under: First Time Home Buyer Tagged With: California, Rancho Cordova, Tips For First Time Home Buyer

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Mortgage Consultants Group a Division of American Pacific Mortgage Corporation, NMLS 1850. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

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