How to get Pre-Approved for a Home Purchase

One of the first steps to buying a home is making sure you are Pre-Approved for a mortgage by a lender.

How to Decide When to Refinance

Have you thought about refinancing your mortgage? Maybe you heard that your neighbor refinanced and got an awesome mortgage rate or your family member refinanced and paid off a ton of debt, but will you be able to do the same?

How a Reverse Mortgage May Help with Retirement

Retirement is known as the “golden years” but for many this may mean financial stress. What if your home could actually help you take back control of your retirement finances so you can live that exciting and stress-free life you have always dreamt of?

The Difference Between Jumbo Loans and Conventional Loans

At West Coast Mortgage Group we have may great loan programs, but it is important to understand the difference between jumbo loans and conventional loans as well as their benefits. First off, we will go over the different loan types and then you will hear specifically about the conventional and jumbo loan details and benefits.

How to Choose a Great Mortgage Company

When looking to purchase a home or refinance your mortgage, there are a lot of Mortgage Loan Originators and mortgage companies out there ready to help, but how do you choose a great representative to work with?

VA Home Loan Benefits

The VA Home Loan program is the best option available exclusively to active or retired military veterans and their spouses to help them pursue their dream of homeownership.

How to do a Streamline Home Loan Refinance

Although there are ways to streamline a mortgage for your home purchase, the most common streamlined mortgage process is through a streamline home loan refinance. A refinance is a way for current homeowners to pay off their current mortgage and replace it with new home financing.

Top Things to Consider When Buying a Home

Deciding to buy a home is an exciting milestone and one that should be taken seriously with proper guidance and education. Buying a home is likely the single the largest purchase most people will ever make and we wanted to include some key items to consider when planning for your purchase.

Do’s and Don’ts for the Home Loan Process

When buying a home or refinancing a loan, we are here to make sure you make it to the finish line smoothly and successfully. A part of that is helping our clients navigate potential speed bumps that may occur throughout the process.

What Credit Score Is Needed To Buy A House

Equifax defines credit scores as a three digit number, typically between 300 and 850, which is designed to represent your credit risk, or the likelihood you will pay your bills on time. A credit score tends to determine a person’s financial health by factoring in how much debt they currently have, and history of repaying past debts.

Veterans Day

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What Mortgage Product Is Best For Me?

If getting a mortgage is “Greek” to you, don’t worry. In this write up we will be discussing how to determine which mortgage product is best for you, and what mortgage products are currently available for common situations.

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Is Now A Good Time To Buy Or Refinance As Rates Are Going Up?

At least once in their lives every person faces the one daunting question: is now a good time to buy a house?

Home Inspection Deal Breakers

Home inspections can be your worst enemy when you’re selling your home, but if you’re the buyer, it can be your best friend.

Summer Checklist

Summer is definitely here. Rates are still Great! Call us today and we can give you a quick quote.

Don’t let the weather dampen your dreams of buying a home!

Don’t let the weather dampen your dreams of buying a home! This article gives excellent insight on how February is a great time to get in the market. Call us today at with any of your mortgage or financing questions and take the next step!

WELCOME Brianna Waters!

WCMTG would like to formally introduce Brianna Waters, Mortgage Loan Originator, who has joined our Broadway team!

WCMTG December Highlights

Be sure to take a moment and check out our WCMTG December highlights! A summary of our Holiday campaign, the outcome and all the help coming to Front Street Animal Shelter - City of Sacramento, The Forgotten Soldier Program, and Sacramento Children's Home soon! We are very excited!

3 Simple VA Home Loan Tips

If you are active, reserved or retired military, there are numerous benefits to utilizing your VA home loan. VA loan’s can be guaranteed with no money down, and there is also no private mortgage insurance requirement, which offers vets substantial monthly payment savings. Here are three simple and useful tips to help vets save money on their loan and feel more confident looking for homes.

For Every Mortgage Closed West Coast Mortgage Group is Giving $25 to Charity*

*Giving back to the community is an important mission to us at West Coast Mortgage Group. During this holiday season, from October 1st through December 31st, to say “Thank You” for making WCMTG our clients trusted mortgage consultant, we will be making a $25 donation to a great local cause for each mortgage closed through our Broadway location.

How Non-Cash Buyers Find the Competitive Edge

West Coast Mortgage Group has worked with buyers in some of the hottest neighborhoods in the United States, including San Francisco and the entire Bay Area. Buying a home in California poses unique obstacles for all buyers. The market is competitive, most offers aren't a buyer's first attempt, so they're experienced, and cash buyers are out there. Buyers need not fear these challenges, they just need to understand how to outsmart their competition. There are a few easy ways to best educate and prepare yourself, before making any offer.

Sacramento Mortgage Lenders Give Home Inspection Advice

Having a home inspection before purchasing is a very wise choice. Without an inspector examining the house you are interested in living in, your perfect home could actually be more of a fixer upper than you had originally thought.

Is Refinancing Your Sacramento Mortgage Right For You?

If you own a home right now, you may be considering refinancing your Sacramento Mortgage. While interest rates may look rather enticing, does that mean it's the best time for you to refinance with a mortgage lender in Sacramento? Making sense of mortgage rates can get complicated if you are not a professional who deals with the process all the time. While everyone wants their monthly mortgage to decrease, it may not be in the cards for you at the moment. In order to make sure you should refinance or not, knowing a little bit about refinancing should be helpful. Here are a few things you may want to be aware of before figuring out if refinancing will work for you:

Mortgage Lending Top 5 -Do's and Don'ts When Financing Your Home

There are many different elements to your finances that may not cross your mind when it comes to purchasing or refinancing a home. At West Coast Mortgage Group we make sure our top priority is to make mortgage lending simple to you as the consumer. With that commitment comes making sure we outline what our borrowers should, and more importantly should NOT do when they are financing a home purchase or refinance. As a top lender, we understand the importance of educating our clients and believe that this information should be shared.

Which Loan is Right for You? Understanding the Difference between FHA, VA and Conventional Loan Programs

Before you get started in the home buying process it is important to understand the differences between conventional, FHA and VA loans. This knowledge can help you decide which loan program will best fit your buying needs.

Sacramento Mortgage Broker Says these Drop Home Value

Not all additions and changes are going to add value to your house. West Coast Mortgage Group, a Sacramento mortgage broker that also works in cities across the country, found the holy grail of renovations that should not be done to your home when thinking about selling. Scott McGillivray, the host of HGTV series Income Property and author of How to Add Value to Your Home, give great perspective on unwise renovations:

Get the Right Home With Sacramento Mortgage Lenders Help

Looking for a new home to purchase can be tricky because we want the home of our dreams but don't want to get carried away about it. Our family's needs inside and outside the home are a top priority in the thought process of home buying. West Coast Mortgage Group, a Sacramento mortgage group focused on mortgage lending made simple, found 3 ways that could help protect your family while searching for a new home.

Now is the time to talk to a Mortgage Broker in Sacramento

Are you wondering how today compares to those of the past when it comes to owning a home? So many American's are starting to ask this question and mortgage brokers across the United States agree that now is a great time to own a home. Don't believe us — just check out the picture. If you are new to the housing market and looking to buy a home, you are in luck! Every state shows an overall home value increase.

What Sacramento Mortgage Rates Could Mean for Homeowners

The Federal Reserve is looking out for homeowners from having to pay unruly mortgage rates. Earlier this month, the Fed's took the time to meet up and concluded with the following statement: "To support continued progress toward maximum employment and price stability, the Committee today reaffirmed its view that the current 0 to 1/4 percent target range for the federal funds rate remains appropriate."

Mortgage Refinance Tips and Advice from Sacramento Mortgage Lenders

For an average individual who is not employed in a mortgage industry, the mortgage jungle is very devastating. Mortgages are complicated and somehow hard to maneuver. In this article, there are some tips and guidelines of what an average individual is supposed to understand when in need Sacramento mortgage companies to help you.

Working with Sacramento Mortgage Companies

The housing market can be quite fickle at times. One minute the market is looking really good; and the next minute, it's the last place you want to be. Over the years the housing market has become saturated with so-called truths and even higher expectations.

Sacramento has a Progressive Blueprint for Mortgage Lenders and the US Real Estate Industry

Over the past 20 years, the mortgage industry has endured many ebbs and flows, which have altered the protocols for home buyers, real estate investors and mortgage professionals. As a result of the housing market crash in 2006, many real estate sectors across the nation have experienced losses that have been very difficult to recover from.

Tips For Preparing To Apply For A Sacramento Mortgage

Are you getting ready to apply for a home loan? Whether you are trying to purchase your first home, a vacation home, or your retirement home, you want to give yourself the best shot at success. To do that, you are going to want to make sure that you are taking advantage of the following tips.

Sacramento mortgage: Things are looking really good, great even!!!

This much is true: The Sacramento housing market hasn't always been its best. But good news Sacramentans, according to the Calculated Risk blog, things are looking pretty good for the area. New data shows that in Sacramento's housing market, total sales were up a whopping 21.7% form where they were in June of 2014. The data implies that the market is in the healing process with fewer distressed sales, more equity sales, and less investor buying. This is great news indeed! Now it's all about getting ready to jump in and start looking for the right opportunity!

Moving past foreclosure: Sacramento mortgage companies can help!!

To say that the process of going through a home foreclosure is hard, is a complete understatement. The fact is that it's devastating. Not only have you lost a home, but the struggles associated with such a setback tend to have far reaching consequences that go a lot further than just financial.

Even if you're a boomerang buyer, Sacramento mortgage lenders can help

It's no secret that the housing, job and "everything-market" went down the tubes a few years ago. A lot of us are still reeling from the traumas of having to move after a foreclosure. There really aren't a lot of things that carry more stress than losing a home to the banks. Although the scenario of losing a home to foreclosure is a hard thing to weather coming back from it is possible. In fact, the dream of owning doesn't have to be lost. The market has seemed to show a recent comeback that is chalk-full of "Boomerang Buyers."

With all the upcoming growth, why not find a mortgage in Sacramento?

It seems lately that the Sacramento Valley has been getting a little more attention than usual. Whether it be from its popular farm-to-fork movement or it being named one of the 10 Best housing markets in the nation, the Capitol City look to be rising to the occasion. Considering the fact that Sacramento has also been recognized by The Wall Street Journal as one of the best 6 Great Small Cities for Food Lovers and by as being the New Oakland, for the affordability, food, coffee and nightlife, things are looking for the ol cowtown. Sacramento really is a great place to live.

Sacramento mortgage lenders want to make sure you know all of your options.

With every year that passes, the amount of things you need to know about everything increases. Whether it be to keep up on the latest technology or knowing what new rules the IRS is imposing, the fact is, is that you need to be in the know. Especially if you're teetering on the fence about purchasing a new home, you'll need to be up on the newest regulations and rates that are out there.

Looking into a VA loan with Sacramento mortgage companies is a great option

Over the past few years banks have made lending standards a little more stringent, opening the doors and demand for consumers to seek out VA loans. In order to be eligible for a VA loan you'll need to be a member of the military, veterans, reservists or the National Guard. Also, spouses of military members who died while on active duty or as a result of service connected disability are eligible.

First-time buyers need to know this when seeking a Sacramento Mortgage

Given the rocky economy of the past decade, not a lot of us are in the position of owning multiple homes. Unless you're one of the few people who bought up a bunch of property in the early 2000's to flip, you're most likely a person looking to make your first purchase. Even if you're not, keeping your mind sharp with how to choose the right mortgage broker will always serve you well.

Licensed Mortgage Lenders in Sacramento are there to help you!

If you are looking to purchase your first home, it is very important to have a clear vision of your financial situation. In order to make an informed decision, one should definitely have complete knowledge regarding the mortgage process. Here are three things that you should know before shopping for a mortgage company.

Take the assistance of mortgage lenders when investing in a real estate!

For the first time home-buyer, there is a fair chance that you may not get the right deal. This is the reason why it's always important to take the assistance of experienced mortgage lenders, like West Coast Mortgage when investing in a real estate. Lack of updated information and knowledge also causes a person to face losses when purchasing a new home. Below, we have listed some of the top regrets that most buyers face when purchasing home for first time.

Tips On How to Overcome Credit Card Related Hindrances When Looking for Sacramento Mortgage Lenders

The dream of homeownership is one that most Americans have in their sights at some point. A nice home with a yard for the kids or the dog is ideal. So making sure you make all the right moves before you get involved in the process of buying a home is imperative if you plan on achieving that ideal.

Questions To Ask When Looking for Sacramento Mortgage Lenders

"Location! Location! Location!" The only place the aforementioned mantra rings truer, is in the hearts and minds of potential homeowners. Sure, business owners have to worry about it too, but homeowners really need to concern themselves with every aspect of "Location!" Unlike a business owner, homeowners have to think about everything form the schools in their chosen neighborhood to the possibilities of property value fluxuations.

Potential Problems That A Lot Of New Homeowners Run In To

Next to marriage and having children, it's really an understatement to say that buying a home is one of the biggest decisions you'll ever make. And just like the aforementioned life events, it's important to have specialists helping you through the processes. Making sure you're mining the resources from professionals that know their field well, will payoff indefinitely.

A Few Things to Remember Before Making an Offer On a Home

Becoming a homeowner is one of the biggest decisions you'll ever make. And unless you're one of the few people out there who buys real estate on a regular basis, you may come up against a few issues that you didn't expect. When faced with the arduous process of looking for and purchasing a home, the more information and knowledge you have, the better. Even if you are "in the know," the ever-changing landscape of local and state government policies and regulations are, at times, tough to keep up with. That's why it's important to find a trustworthy mortgage broker in Sacramento at the start of the process.

Scouring the menu for the best Sacramento mortgage companies

Have you ever been out to a restaurant, only to be confronted by a menu that has far too many options to choose from? Do you settle on your go-to burger and fries, or do you spend time delving into the menu in search of the perfect dish? After 20 minutes of internal debate and three bread baskets later, you finally settle on something familiar, relieving your long-suffering friends and family from having to deal with your indecisiveness any longer.

Three tips that trusted Sacramento mortgage lenders want you to know

When it comes to shopping for a mortgage, preparation is your best friend. Whether you're a first time buyer or a veteran of the home ownership process, it's always a great idea to keep yourself in the know. With an ever-changing housing market and the unpredictability of government rules and regulations, an ongoing knowledge of the system will definitely serve you well.

A Sacramento Mortgage Broker can Give You Even More Affordable Loans

While certain places in California are having issues with home affordability, things are looking pretty good for the state as a whole, considering that foreclosures and mortgage delinquency rates continue to drop.

How Much House Can You Afford? A Sacramento Mortgage Broker Weighs In

From January 2005 to November 2007, much of the country was gripped by a housing bubble that saw home prices reaching all-new highs and many properties being foreclosed. Fast forward to the present day where home prices are relatively more stable, but some people fear that yet another bubble is emerging, as properties in some states are becoming less affordable.