Israel Salas

Branch Manager

NMLS: 212071

Recent Articles

Dec
11
2019
Is It The Right Time To Get a Home Loan? Find Out Now!
The question of when it’s the right time to buy a home has been asked by countless. And the answer to that largely depends on what one means by “the right time.” When is it the right time to buy according to the market? When is it the right time to buy according to your...
Dec
04
2019
Are FHA Loans a Good Idea? What You Need To Know
If you have a low credit score or minimal downpayment, you may have heard that a government loan is a good option. But how true is that? Here’s what you need to know about FHA loans and whether it’s the right option for you. Get The Facts About FHA Loans As mentioned above, FHA...
Nov
27
2019
Thanksgiving Holiday Safety Tips -Please Share!
Thanksgiving is just about here and we want to wish you a happy and safe holiday weekend. With that in mind, we wanted to share some safety tips. As it turns out Thanksgiving is the peak of home fires.  Because we care about you and your family, please take a few minutes to read over the...
Nov
20
2019
The Advantages of a Large Down Payment
Most of the time, the goal is to put as little down as possible on a home, but paying more money upfront has its advantages. Here are just a few of them for you to consider. Pay Less Interest Putting a large down payment can save you thousands of dollars of accrued interest over the loan term....
Nov
13
2019
Don't Miss Out! Avoid These Mistakes When Bidding on a Home
The only thing worse than not getting the home you wanted is not getting it because of an avoidable mistake. While working with a real estate agent certainly helps -- and we recommend it -- buying decisions are ultimately in your hands, so you want to be as prepared as possible. Do you know...
Nov
06
2019
Purchasing a Home Closer to Work: Is It Right For You?
Moving closer to work sounds reasonable but is it actually worth it? That’s what we want to help you answer with this article. If any of the points below sound like you, then buying a home closer to work may be the best move you could make. Ready to buy your next home (or first home!)...
Oct
30
2019
How Identity Theft Affects Your Home Loan Approval
It makes everyone cringe at the mere possibility of it -- identity theft. Unfortunately, about 1 in 15 Americans are victims of it. And the way most find out that it's happened to them is when their credit is pulled, and they notice something suspicious. Indeed, identity theft can even...
Oct
23
2019
Mortgage Co-Borrower: Is It Right For You?
Having a co-borrower is a huge deal. And just like any other investment, you’ll want to be absolutely clear about what it entails before committing. Bookmark this blog post for referencing the basics of co-borrowing and contact us for an obligation-free mortgage consultation...
Oct
16
2019
The Ultimate Guide to Closing Costs
Just like when you purchase a car, the listed price of the home does not include the additional fees. Essentially, the "sticker price" is not the out-the-door price. For home purchases, these additional fees are lumped together and called "closing costs." Here are the fees you can expect...
Oct
09
2019
Locked vs Floating Mortgage Rate: Which Is Better?
Mortgage rates have been relatively consistent, but don't let that get you too comfortable. Rates are changing all the time  --by how much, and whether it will be in your favor, we cannot say. We can make intelligent guesses, but we can't predict with any certainty...
Oct
02
2019
Financial Benefits of Buying a Home in a College Town
Even if you’re done with college or if your children are years away from higher education, there are still many benefits to living in a college town. And don’t think that college towns are all small towns. College towns can be as urban as Tallahassee, Florida, thriving with...
Sep
25
2019
Should You Buy A Fixer-Upper? How To Tell If It's Right For You
Buying a home that needs significant renovation sounds like a nightmare to some --and a dream come true to others. With renovation reality TV, America has romanticized the idea of buying a fixer-upper and making over their home. But as satisfying as it sounds, remodeling shouldn't be...
Sep
18
2019
How To Tell If A Home Is 'Move-In' Ready
If you’re home shopping, you’ve probably seen or heard the phrase “move-in ready” in the property description. But what does “move-in ready” really mean and how can you tell if a property that “shows well” is truly ready for your...
Sep
11
2019
Mortgage Mythbusters: First-Time Homebuyer Edition
Entering the housing market as a newbie can be intimidating. Even more so when you hear rumors about how "difficult" or "expensive," it is. But don't believe it! As the experts in first-time home loans, we have all the answers and resources to make your home purchase happen with ease...
Sep
04
2019
The Essentials of Getting a Veteran Home Loan
If you are an active member of the Military, a veteran or a spouse of a member of the armed forces, you may qualify for a unique mortgage program from the Department of Veteran Affairs. VA loans offer some of the most affordable ways to finance a home purchase.  VA loans are exclusive to...
Aug
28
2019
13 Smart Reasons to Refi Your Home Loan Today
Low-interest rates are the most common reason borrowers refinance but are there other reasons? Yes! There are several beneficial reasons to refi your current loan and here's a brief list that we've compiled through our years of experience.  All of these may not apply to you, but...
Aug
21
2019
Super-Charged Home Loans for First-Time Homebuyers
“I’m buying my first home!” That proclamation is just as exciting and impressive as it is mysterious and overwhelming. Where do you start and which loan programs are made especially for first-time homebuyers? Getting started is a lot easier than you realize....
Aug
14
2019
“I Have Bad Credit. Can I Still Get A Mortgage?”
If you're worried that your credit is too low to get approved for a home loan, you're not alone. Low or bad credit is something that many Americans are facing. But even with poor credit, there is good news! There are government loan programs made for borrowers with lower credit...
Aug
07
2019
The Best Way To Use Your Home Renovation Loan
What’s the best way to use your renovation loan? The easy answer is to invest in projects that will either reduce your costs in the long-run or increase your property value. For example, you can install new insulation, redo the bathrooms, and modernize the kitchen. These...
Aug
01
2019
What to Expect When You're Buying a Home While Selling Your First Home
Do you remember what it was like buying your first home? If it's been several years, you'll be pleasantly surprised at how much easier it is. The days of signing piles of paper and waiting weeks for a decision are over thanks to digital mortgage. But that's not the only thing that will be...