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Points Lose Favor

Points Lose Favor

With interest rates at or near record lows, many borrowers are seeing little reason to pay points when buying or refinancing a home.  Some are even opting for what’s known as “negative points,” agreeing to a slightly higher rate to help pay closing costs. Making sense...
History of Sacramento Real Estate 1986 – 2012

History of Sacramento Real Estate 1986 – 2012

Doug Reynolds, a Sacramento Area Realtor, gives a detailed analysis of the median Sales price in Sacramento Real Estate.  He discusses the ups and downs of the past 25 years in the area.  Doug also discusses the fact that since interest rates are historically low,...
First Time Home Buyer Thoughts

First Time Home Buyer Thoughts

Home buying doesn’t begin with home searching; it begins with a mortgage pre-approval.  Often, first-time home buyers fear getting pre-approved because they’re afraid the lender may tell them they do not qualify for a mortgage or they qualify for a loan smaller than...
Is a Tankless Water Heater Right for You?

Is a Tankless Water Heater Right for You?

Tankless water heaters cut energy bills but aren’t the right choice for everyone. Here’s how to figure out if going tankless makes sense for you. Traditional vs. tankless water heater Traditional hot water heaters typically live in your basement and provide gallons of...