Renting vs. Owning – Is It a Choice?

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I speak to many people every day who say that they are not ready to buy a home and choose to rent instead. What is sadly ironic about their choice to rent (and it is a choice) is that renters do not realize that they are paying the property owner’s mortgage, and that there is […]

The New Black Migration: Part I


Demographics are rapidly changing in the United States. However, a shift in population is becoming even more prevalent and apparent in inner cities. Suburban sprawl had numerous effects on changing the look of major urban centers around the nation, with one of these effects being a change in the urban demographics. When it came to […]

How Do I Qualify for a Home Loan?

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Qualifying for a home loan is not as easy as just walking into a bank. One of the strings attached to the low interest rates are the incredibly stringent lending requirements. The Consumer Financial Protection Bureau released a new set of Qualified Mortgage Standards that came into effect in January 2014, largely as a result […]

The Financial Reality of Homeownership

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More so than ever before, buyers are finding themselves up against an array of obstacles that must be overcome prior to obtaining the keys to their new home; the first of which is saving for that down payment. Outstanding debt, checkered employment histories, and a lack of documentation are other substantial obstacles that will hinder […]

Homeownership: The Key to Wealth


Two themes have dominated the headlines in recent years. The first is the linger effects of the Great Recession, an economic downturn that has largely been attributed to the housing market’s burst. Lax lending and overbuilding resulted in many buying homes who would not have otherwise qualified in decades past. The second storyline is the […]

Rising Inventory in Southern California

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The housing market has been characterized as sluggish, especially in the past decade. While the stock markets shift momentum can be as fast as a fighter jet, the housing market is more like a cruise ship. Since the previous housing bubble (Bubble, 2015), the turning point was indicated with shift in price appreciation and rising […]