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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 Hikes Within 3 Hours of Sacramento

Northern California literally has it all. You can explore urban cities, charming suburbs, community parks and even secluded wilderness. But during busy weeks of work and school, it’s easy to get bogged down in the hustle and bustle of daily life. We may even forget about the acres of wilderness right in our...

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