Buying a Home

Toni F. Ryan

What is Loan-to-Value (LTV) and why it matters when securing a home mortgage?

When you get ready to apply for a loan to buy a home or refinance your current mortgage, you're going to notice many unfamiliar terms...

Toni F. Ryan

How Does a Home Appraisal Work?

During most real estate transactions, it will be necessary to have a home appraisal completed. This formal process of evaluation is the...

Toni F. Ryan

Understanding Advertised Mortgage Rates in California

Advertisements for home loan offerings are everywhere. Online, on TV, driving down the street, or listening to the radio, mortgage loans...

Toni F. Ryan

Types of Home Loans Available for California Home Buyers

There are many home loan types to consider when seeking financing to purchase a home. The loan you choose will have a long term effect...