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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 10 Best Places to Go Boating Near Sacramento

California is known for its abundance of sunshine, gorgeous weather, idyllic scenery, and bountiful lakes and reservoirs — and locals definitely know how to make the most it. When springtime rolls around and the days grow longer, we grab our paddle boards, kayaks and motorboats and head to the nearest body of...

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