The Plight of African Americans: Startling Truths With Few Solutions

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Those in the African American community are far too familiar with the struggles of homeownership. A history of redlining and blockbusting has only been compounded by the recent tightening of credit. It seems like African Americans are always under incredible scrutiny, even when they are trying to contribute to their communities by investing in real […]

Single Family Home vs. Multiple Unit Properties

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Deciding whether to buy a single family home or a multiple unit property is a easy decision for me, because I am fifty-three years old, and I can remember buying my first home. It was not a multiple unit property, but I wish it was.  I made the mistake that many other first time homebuyers […]

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 […]

Mortgages: Which Is the Best Plan for Me?

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Raising a family and managing all the financial decisions related to food, shelter, clothing, healthcare, tuition fees, and additional living expenses in the already inflated counties and cities in high-tax California is not a pretty sight for most households.  Let’s face it; you have to pay to play in California.  In fact, there is common […]