Blog

FOUR WAYS TO FIND THE VALUE OF YOUR HOME

Unfortunately, determining how much your home is worth is a lot more complicated. Every piece of property is unique and therefore has a value all its own. The rules of supply and demand government real estate markets and changing market forces impact the value of every property, but market trends impact different properties in different…

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Don’t Assume You Can’t Get A Mortgage Loan

According to the latest J.D. Power 2014 U.S. Primary Mortgage Origination Satisfaction Study, first-time homebuyers report challenges with understanding the mortgage process and the options that are available to them. It also suggests that lenders may be doing a poor job of educating and helping borrowers navigate the loan process.   Among survey respondents purchasing…

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Should You Refinance Your Home

Owning a home comes with a mortgage. Are you wondering if you should refinance your home in California? Refinancing can be a hard decision to make. And when to refinance is even harder to decide.  Refinancing can lower your payment, get you out of a bad loan or remove PMI from your mortgage payment. Mortgage rates…

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Understand Your Credit Scores

Lenders want to give you a mortgage, but they also want to minimize their own risk. The easiest way to retard risk is for them to use your credit scores to make their lending decisions. Credit scores are compiled separately by three consumer reporting agencies — Equifax, Experian, and Trans Union. These credit reporting bureaus…

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6 Great Reasons to Buy a Home Right Now

To take advantage of near-record low mortgage interest rates and home prices undervalued by as much as three percent nationwide, now is a great time to buy a home. You've already missed the bottom of the market, but that doesn't mean there aren't great buys to be had out there. Your community may not have…

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The Affect of Late Mortgage Payments on Credit Scores

Consumers who are late on their mortgage payments have no idea how badly their credit scores can be affected, nor how long it takes to repair the damage. FICO scores, the credit-scoring system used by the Fair Isaac Corporation to help banks and other lenders determine a borrower's creditworthiness, can fluctuate for many reasons. Your…

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30-Year Fixed Mortgage Rates Fall Below 4 Percent

Mortgage rates for 30-year fixed mortgages fell this week, with the current rate borrowers were quoted on Zillow Mortgages at 3.96 percent, down from 4.08 percent at this same time last week. The 30-year fixed mortgage rate spiked to 4.30 percent on Wednesday, then hovered around 4.06 percent for most of the week before falling…

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Licensing

Access Mortgage Inc. NMLS #341756
Raj Babbar NMLS #321355

Equal Housing Lender

Contact Us

Access Mortgage
46818 Fernald St.
Fremont, CA 94539

Phone Number:
(408) 433-0404
Fax Number:
(408) 433-0790