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Other Credit Scores: Don’t Sweat the Small Stuff Will opening a new store credit card hurt your three-digit FICO credit score? Will closing that credit card account that you haven’t used in 10 years cause your score to drop? Will applying for a home equity loan cause your score to tumble? You may not need to be as worried as you are! Learn […]
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Other Discarding Unwanted Household Items The saying “One person’s treasure is another person’s trash” is no truer than in the case of selling, donating or removing household furnishings that no longer serve you. What you are likely to find out is that your beloved Aunt Ann’s Hummel collection or your father’s prized recliner has little to no value in today’s […]
Other Do Cash-Out Loans Come With A Tax Break? First you need to understand what a cash-out refinance is. In such a refinance, you swap your existing mortgage loan for a new mortgage in which you borrow a higher amount. You use the found cash to pay for whatever you’d like. For example, say you owe $150,000 on your current mortgage. You might refinance […]
Other Five Ways NOT to Use Your HELOC One of the benefits of owning a home is the chance to build equity. Equity is the difference between what you owe on your mortgage and what your home is worth. If your home is worth $300,000 and you owe $100,000 on your mortgage, you have $200,000 of equity. You can then borrow against that […]
Other Stretch It Out: Is a 40-Year Mortgage Right for You? Like all fixed-rate mortgages, your interest rate will never change with a 40-year, fixed-rate mortgage. Your rate will remain the same until you pay off your loan, refinance your 40-year mortgage into a new loan or sell your home. The difference between a 40-year mortgage and other fixed-rate loans comes in the term. The 40-year […]
Other How does owning a home affect your taxes? Owning a home can be a smart financial investment and a great way to build your equity. But another substantial benefit can involve a bigger break on Tax Day. Whether you own now or you’re thinking about buying, tax season is the best time to become familiar with the financial benefits of owning a home. […]
Other How to avoid being ‘house-rich, cash-poor’ by selecting the right mortgage for your budget Owning a home doesn’t just put a roof over your head — it can also put money in your pocket (at least on paper). According to a 2022 report from the National Association of Realtors, single-family homeowners accumulated an average of $225,000 in wealth from their homes during a 10-year period. But what if the equity you […]
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Other Data and Analysis on Wildfires and Insurance Wildfires are a reality for many Californians, and by analyzing multiple data sets over several years the Department can identify trends affecting the insurance market. Data and its objective analysis have driven actions by Insurance Commissioner Ricardo Lara focused on preserving available and affordable insurance options for homeowners and businesses. As the state regulator, with […]
Other Study: Roseville ranked among the top cities to live in America According to this Fox 40 article, Roseville has been named the best city to live in California, according to a study from Livability.com. Out of a list of 100 cities, Roseville is ranked as the country’s number 21 best place to live and is the only city in California that was featured in the study. “Its bustling […]
Other Married – Name Not on Title: The Cause and Effect Does a person have ownership rights to a piece of property if they are married, but their name is not on title?   For a community property in California, it depends upon when and how their spouse acquired the property. The law asserts that all property purchased during the marriage, with income that was earned […]

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