What Is a HUD Approved Housing Counselor and Do San Diego Buyers Need One?
What Is HUD-Approved Housing Counseling? HUD-approved housing counseling agencies provide free or low-cost guidance to home buyers and homeowners on the home buying process, mortgage financing, budgeting, and avoiding foreclosure. The Department of Housing and Urban Development certifies these agenc
What Is a CalHFA Loan and How Do I Qualify for One in San Diego?
What Is CalHFA? The California Housing Finance Agency (CalHFA) is a state agency that provides below-market-rate mortgage financing and down payment assistance to first-time home buyers in California. CalHFA does not lend directly to consumers — instead, it provides funds to approved lenders who off
What Is Mortgage Insurance Premium (MIP) for FHA Loans in San Diego?
What Is FHA MIP? FHA Mortgage Insurance Premium (MIP) is the insurance paid by FHA loan borrowers to protect the FHA against losses if the borrower defaults. Unlike conventional PMI which only protects the lender, MIP is paid to the government. It is one of the most significant ongoing costs of FHA
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