Should You Consider Owner Financing

With over 90% of mortgage loans owned or guaranteed by the U.S. government, lending requirements have tightened to the point that many otherwise qualified borrowers are unable to buy a home, especially with higher credit score and down payment requirements as well as private mortgage insurance. FHA loans, for example, require mortgage insurance on every…

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Why Loans Are Still Hard To Get

In the early days, if you wanted a mortgage loan, you had to have a job, some down payment money and good credit. While that's still true today, loans are more difficult to get. Lenders look for more information about you,  making the process take longer than it used to. If you're wondering why, the…

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The Best Advice For First-Time Home Buyers

Before you start seriously shopping for a home, there's some groundwork you should do to put yourself in the best position to buy a home. Start early, a couple of months before you talk to a lender or hire a real estate professional. Check and repair your credit The Fair Credit Reporting Act requires the…

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Landscape Tips to Attract Buyers

A functional and beautiful kitchen, flowing floor plan, plenty of storage, and spacious master bathroom will help win buyers’ hearts. However, often before they see those areas, they see your landscape. It’s the curb appeal theory that I’m talking about. Some buyers will decide based on the look of the outside of your home whether…

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Simple Ways to Reduce Your Use

It’s official: California is in a drought. As dry conditions continue, some regions throughout the state are being severely impacted. The San Francisco Public Utilities Commission (SFPUC) has requested that its water customers, including its 26 wholesale water customers, reduce water consumption by at least 10%. Here are some simple ways to reduce your use:…

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Understanding Closing Costs

If you’ve embarked on the process of buying a new home, you’ve probably noticed that there is a lot of real estate lingo that gets thrown around by your agent, lender, and anyone else associated with the purchase. It’s important for you to understand the ins and outs of the process. Take closing costs, for…

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Nine Reasons to Love Your Mortgage

Recently bought a house? Here are nine ways to think about that debt you just took on. 1. It's your cheapest way to borrow. I'm not crazy about carrying debt. But if you need to borrow, a mortgage is the way to go. The interest incurred is typically tax-deductible and the rate should be low,…

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Try An Energy Efficient Loan

With new home production still well below annual historical averages, chances are you're buying an older homes that needs some work. Believe it or not, there are loans out there that might suit your needs. If you're planning to replace systems or appliances, consider an energy-efficient loan. Energy Efficient Mortgages, also known as EEMs, are…

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

Equal Housing Lender

Contact Us

Access Mortgage
46818 Fernald St.
Fremont, CA 94539

Phone Number:
(510) 579-4557