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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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The 7 Best Places to Get Fresh Oysters in Sacramento

Situated just two hours from the Pacific Ocean, Sacramento has no shortage of seafood, from fresh fish to oysters, and every shellfish in between. In fact, in a region so focused on sustainability and farm-to-fork dining, you know the oysters here come from the best sources. Whether you’re a fan of the small and...

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