11 Reasons to List Your Home For Sale During The Holidays



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

Equal Housing Lender

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Access Mortgage
46818 Fernald St.
Fremont, CA 94539

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