The Home Buyer’s Corner
California home loans & home buying explained
What Is the City of La Puente First-Time Homebuyer Program?
Published on: 10/03/2026
The City of La Puente offers up to $200,000 in down payment assistance through a zero percent deferred loan with shared appreciation. Learn how the program works.
Should I Use an FHA Loan or a Conventional Loan in California?
Published on: 17/02/2026
FHA and conventional loans both have pros and cons. Learn how credit score, down payment, and mortgage insurance affect which option makes more sense.
Should I Pay Points on My Mortgage in California?
Published on: 13/02/2026
Paying points can lower your rate, but it only makes sense if you keep the loan long enough. Learn how break-even works and when points are worth it.
If I Buy a House Now & Rates Drop Later, How Soon Can I Refinance?
Published on: 11/02/2026
Most buyers can refinance as soon as it makes sense. Learn how prepayment penalties work, how to calculate break-even, and when refinancing is worth it.
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