Loan “Points” Explained

"Points" are one of the least understood topics in home financing. On the Monterey Peninsula, whether buying points makes sense depends on how long you expect to own the home, how you are thinking about flexibility, and what tradeoffs actually matter to you. Let's delve deeper. What points are A poi

Offers Getting Rejected? Get Underwritten.

In this article, we'll let you in on the strategy that makes financed offers competitive against cash offers here on the Monterey Peninsula. Most prospective homebuyers (and many of their agents) believe the hierarchy is fixed. Cash sits at the top, financed offers follow, and the only way to bridge

Top 3 Monterey County Lenders You Can Confidently Put on Your Offer

The Lenders Who Actually Help Buyers Win Here This is the first chapter in a new series on loans and lending. On the Monterey Peninsula, the lender attached to an offer is not a mere background detail. It is a material part of the offer iteself. Listing agents here are not only evaluating price and