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Financial Solutions of California

When It’s Right to Buy

By FInancial Solutions Of California | March 2, 2018

BUY OR RENT? This question still comes with as much excitement as it does stress. While the traditional answer has always been to buy, many make the case that in today’s market it’s actually best to rent. With rising interest rates nationwide, the latter can appear to carry some weight. But keep in mind – if you want to buy…

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Financial Solutions of California

Southern, CA Mortgage Rates Climbing in 2018

By FInancial Solutions Of California | February 26, 2018

As mortgage rates in southern California have continued to rise for almost a year, so have the concerns for buyers. In Long Beach, home values have gone up over 6.8 percent this past year according to the real estate website Zillow, which also estimates prices will continue to rise 1.2% in the next year. With the average 30-year fixed-rate mortgage…

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Financial Solutions of California

Professionals Filing in 2018

By FInancial Solutions Of California | February 21, 2018

If you’ve had preparation for tax season in the front of your mind for all of 2017, receipts and all, good for you – you’re ahead of the game. But if you’re like the majority of professionals to file in 2018, you’ve probably given your taxes little attention. Not to worry. It isn’t too late to get ahead of the…

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Financial Solutions of California

Preparing Your Records for Tax Time

By FInancial Solutions Of California | February 12, 2018

The Home A manageable place to start collecting your tax information is right where you rest your head. Simply having the social security numbers or tax ID numbers for yourself, your spouse and any dependents living with you gets the ball rolling in the right direction. Including the tax ID number for the person or business that cares for your…

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Taxes and Home Owners

What Effect Might Trump Tax Plan have on Home Prices in California?

By FInancial Solutions Of California | January 30, 2018

The recent income tax overhaul will affect more than just the bottom line on your tax form. It might just influence individual decisions on the purchase of a home and possibly the overall direction of home prices. In recent years, the good news for home prices has been nonstop – Rates have remained low for many years. Employment levels have…

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Financial Solutions of California

What Does it Mean When the Federal Reserve Changes Rates?

By FInancial Solutions Of California | December 15, 2017

Find the right team. You won’t find many real estate agents or loan officers who can accurately answer this question. But at Financial Solutions of California, we do! That’s because our professionals don’t just canvass the neighborhood for leads, we research our craft in our quest to add real value and “Expand Your Financial Possibilities.” What does this mean? The…

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Adjustable Rate Mortgages

Adjustable Rate Mortgages – Why Leave Money on the Table?

By FInancial Solutions Of California | December 15, 2017

Is it the right mortgage for you? Since the beginning of the financial crisis that struck about 10 years ago, I have only sold adjustable rate mortgages (ARMs) to 2 people. Myself, and a client who is an accountant. Every other person has chosen to go with a 30 or 15 year fixed rate loan. Now, if you can afford…

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Qualifying for a Mortgage as a Small Business Owner

Qualifying for a Mortgage as a Small Business Owner

By FInancial Solutions Of California | December 15, 2017

Having trouble qualifying for a mortgage? Many small business owners have had trouble qualifying for a mortgage ever since the “Stated Income” loan was discontinued by major banks. Ten years ago, you could simply state that you made $10,000 per month and it was taken as truth by the bank, no questions asked. But making that much and being able to…

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