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Home Buying Process

If you’re ready to own a home, the first thing you need to determine is how much you can afford to spend. Generally, your mortgage payment should not exceed 35 percent of your monthly gross income. Other factors will also affect how much house you can afford to buy, like your down payment and mortgage terms, but these factors will be specific to your circumstances. Get started by creating your Wish List. This is a list of your must-haves and nice-to-haves. Creating this in advance and bringing this with you during your search will help you remain focused on your goals and save you time.

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Find Unique Mother’s Day Gifts at These Quirky...

Flowers are fine. Framed photos are great. And what mom wouldn’t love an engraved birthstone necklace? But sometimes, mom wants something different. Something unique. Luckily, there are plenty of quaint and quirky shops in the Sacramento area where you can find the perfect gift for mom this Mother’s Day.  ...

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