By Ramsey Judah This is a question that comes up a lot in home lending. It is very important to know the difference because FHA and conventional loans have different rules for interest rates, appraisals and loan documentation. The reason why we have both started with the Great Depression. Back in 1929, the market economyRead more about FHA Loan vs Conventional Loan, What is the Difference?[…]

By Ramsey Judah Let’s be honest, the Republican tax plan that was written in two weeks was not actually written in two weeks. The special interest groups behind the tax plan push serve the mega rich in this country and this plan has been written for years. They just simply got the chance to implementRead more about Will the New Tax Plan Affect Real Estate?[…]

By Ramsey Judah We have a wealth problem in the United States. There is a ton of wealth in the top 2% of America yet the other 98% of Americans are shrinking into more poverty. Why is this happening? Is it that there are not enough jobs? No, there are a lot of jobs. TheRead more about Higher Pay Rates, Not Just Jobs, Will Help Fix the Economy for Good[…]

Welcome to the City that is home to the birthplace of modern theme parks. Before Walt Disney picked out a plot of land to forever brand his name in the world, the land now known as Anaheim had a different story. The Acjachemen Nation were the original native people who lived on the land. NativesRead more about Town Spotlight: Anaheim, CA[…]

By Ramsey Judah What Is A 1031 Exchange? If someone owns or inherits investment property in a real estate market that has recently exploded in value, she may consider a 1031 Exchange in order to avoid paying capital gains tax which is a tax levied on what the seller earns from the sale of theRead more about 1031 Exchange: How Real Estate Investors Avoid Capital Gains Tax[…]

By Ramsey Judah The real estate crash of 2007-2008 was caused by a few things. Firstly, Wall Street had the banks lower qualification restrictions so that anyone off the street can go into a bank and claim they earn whatever to get a house they could not really afford. Secondly, most loans that were madeRead more about How The Next Real Estate Crash Could Happen[…]

By Ramsey Judah If you are not buying a home with cash, then you’ll most likely get a loan. But what does that mean? What is the process? Is it all very complicated? The short answer: kind of. Credit Score and History When a loan officer (the person who approves you for a loan) beginsRead more about How To Get Approved for a Home Loan[…]

By Ramsey Judah Before September 2016, the city of Inglewood was just another sleepy real estate market in South Los Angeles where home values would rise slowly. It was easy to find an affordable home with a good sized layout and yard. Then came the announcement that month in 2016 that the Rams have chosenRead more about The $3 Billion Stadium, Mall and Tourist Destination Set To Change Inglewood[…]

By Ramsey Judah Yes it’s true. Everyone wants to live here. We have great weather, a beautiful coastline, amazing mountains and an endless array of things to eat and do in the Golden State. Since 2010, the population of our great state has grown by around 1% according to trends. In a state of nearly 40Read more about 400,000 People Moved To California Last Year[…]

By Ramsey Judah The Federal Reserve, a privately held corporation that prints our currency and loans it to the US government with an interest rate, recently stated its going to raise interest rates as soon as December. It reasoned that unemployment is at nearly 4% and the Fed fears that inflation will rise because ofRead more about Fed Set to Raise Rates, Trump’s Win Causes Initial Jump[…]