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Did You Know: Here’s Why Buying a New Home Grows Your Wealth Faster Than Renting

January 14, 2016 by JC Leave a Comment

There can be many downsides to both renting and buying, depending on what side of the coin you are on, but if you’re leaning towards purchasing a home it can have added benefits for your bank account that renting does not. While renting can certainly alleviate many of the costs that go along with property ownership, here’s why purchasing a home can have positive monetary affects in the long Continue Reading

Filed Under: Buying a Home, Home Buyer Tips, Real Estate Investing

What’s Ahead For Mortgage Rates This Week – January 04, 2016

January 14, 2016 by JC Leave a Comment

2015 said farewell with reports on Case Shiller home prices, pending home sales, and consumer confidence. The details: Case-Shiller Home Prices Post Double Digit Gains in October According to Case-Shiller’s 20 City Home Price Index, Denver, Colorado, Portland, Oregon and San Francisco, California tied for the highest home price gains in October with year-over-year home price gains of 10.90 Continue Reading

Filed Under: Case Shiller, Freddie Mac, Market Outlook

A Quick and Easy Guide to Using an Online Mortgage Calculator

January 14, 2016 by JC Leave a Comment

If you’re in the market for a new mortgage, using an online mortgage calculator is a great way to determine what kind of terms you can expect to see and how they’ll affect your home purchase. Visualizing what a 3.9% interest rate looks like can be difficult, which is why a mortgage calculator is so useful – it shows you exactly what a certain mortgage will do to your finances. Here are just a few Continue Reading

Filed Under: Home Mortgage Tips, Mortgage Calculators, Mortgages

Have You Been Denied for a Mortgage? Here Are 3 Reasons Why You’ll Want to Keep Trying

January 14, 2016 by JC Leave a Comment

If you’re in the market for a new home, you’ll most likely need a mortgage in order to afford it. But for some home buyers, getting a mortgage isn’t easy. Banks and other lenders are often hesitant to lend money to certain consumers, often for good reason. But sometimes, lenders’ reasons for declining you aren’t entirely valid. That’s why, if you’ve been denied for a mortgage, you’ll want to keep Continue Reading

Filed Under: Home Mortgage Tips, Mortgage Preapprovals and Credit, Mortgages

5, 10, 20 Percent or More? How to Determine How Big of a Down Payment You Need

January 14, 2016 by JC Leave a Comment

Whether or not you’re new to real estate, there’s little doubt that you’ve heard the term down payment as it relates to purchasing a home. There’s a lot of different information out there in regards to how much this figure should be and it can be hard to determine exactly what the importance of this payment is. If you’re trying to determine the ideal amount to put down, here are some things to Continue Reading

Filed Under: Buying a Home, Down Payments, Home Buyer Tips

Dealing with an Empty Nest? 5 Great Reasons to Downsize into a New Condo

January 14, 2016 by JC Leave a Comment

There’s a good chance if your children have recently moved out that your home is feeling a lot larger than it used to, and perhaps you’re re-considering the extra space. If downsizing to a condo is on your mind and you’re weighing the benefits of this kind of move, here are some that might make it worth the switch in size. A Little Extra Money With the additional money you should be making off the Continue Reading

Filed Under: Around The Home, Buying a Home, Home Buyer Tips

What’s Ahead For Mortgage Rates This Week – January 11, 2016

January 14, 2016 by JC Leave a Comment

The first week of 2016 was quiet concerning housing and mortgage related news, but reports on construction spending and several labor-related reports were released. Construction spending is connected to housing markets as it provides evidence of builder confidence and also future housing supply. Labor market trends provide a sense of economic performance in general and can influence potential Continue Reading

Filed Under: Commerce Department, Freddie Mac, Jobless Claims, Market Outlook

Money Matters: Understanding How a Mortgage Loan Can Be a Productive Investment

January 14, 2016 by JC Leave a Comment

Most people tend to think of a mortgage loan as a necessary evil, an expense that has to be managed. But under the right circumstances, your mortgage can become a smart investment – something that makes you money instead of costing you money. With a little bit of ingenuity and a lot of hard work, you can turn your mortgage into a money-making investment that will pay dividends for years to Continue Reading

Filed Under: Home Mortgage Tips, Mortgages, Real Estate Investing

Real Estate Terms: The ‘Debt to Income’ Ratio and How It Affects Your Home Purchase

January 14, 2016 by JC Leave a Comment

The real estate market is rife with terminology that can make a home purchase seem more than a little complicated. If you’re currently looking for a home and are considering your loan options, you may have even heard the term ‘Debt to Income’ ratio. In the interest of simplifying things, here are some insights on what this term means and how it can impact your home investment. Determining Your Continue Reading

Filed Under: Buying a Home, Home Buyer Tips, Real Estate Tips

Owning vs Renting: Why High Rents Are Worse Than a Mortgage over the Long Term

January 14, 2016 by JC Leave a Comment

If you’re at the stage in life where home ownership is nearly within your reach, you’re probably wondering whether you should start looking for a home or whether you should just keep renting. Renting is easier, people say, and it gives you more mobility. But over the long term, all that rent money can really add up – and it eventually reaches a point where buying a home is a better deal. So why Continue Reading

Filed Under: Home Mortgage Tips, Mortgages

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About

JC Properties is owned and operated by Josephine W.K. Chu, CFA and is the property marketing arm of JC Financial, an independent real estate and mortgage brokerage.

Her goal is to help buyers realize their dream of home ownership. She believes buyers deserve to have a dedicated advocate to help them navigate the increasingly competitive real estate market and arduous loan process and is able to pass through her lower costs as an independent broker to borrowers.

More About Josephine

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JC Properties is an Equal Housing Opportunity Lender

CA BRE License #01932402
Company NMLS #1062242
Individual NMLS #274689

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