Author: Micaela Rodriguez

Top 5 Factors that Determine Your Mortgage Interest Rate

If you’re like most homebuyers, you’re likely shopping around to get the lowest interest rate possible on your mortgage. So what factors, and how do you get the best deal on a mortgage interest rate? You could reach out to a mortgage loan originator (at OneTrust Home Loans, of course) and ask the somewhat loaded … Continued

How to choose the right neighborhood when buying a home

Are you currently in the market to buy a home? If so, you’re likely concerned about many different aspects of your future home.  How many bedrooms will it have? How many bathrooms? How big will the yard be, and so on… However we all know it’s about location, location, location aka neighborhood, neighborhood, neighborhood. Before … Continued

Top 5 Questions to Ask Your Mortgage Lender

Are you finally ready to make the plunge and buy your dream home? If so, you’re probably shopping around for the mortgage lender that best fits your needs (hint hint, OneTrust Home Loans). Since many first time homebuyers, or even current homeowners don’t know everything about mortgages, they should be asking as many questions as … Continued

Key Players in the Homebuying Process

Woohoo! You just got pre-approved and you’re ready to start shopping for your dream home. Before you jump right into the process, take a few minutes to learn about the participating parties in the homebuying process. When it comes to buying a home, there are more people involved than just your Real Estate Agent and … Continued

Spring Around the Home

Spring has finally arrived! Well, who am I kidding… the weather here in San Diego is amazing all year round. But for those of you who have been trapped inside your homes keeping warm all winter long, it’s time for you to get back outside and start enjoying the weather again. While this all sounds … Continued

Don’t Fear the Mortgage Down Payment

Do you hear the words “mortgage down payment” and start shaking in the knees? For many millennials and first time homebuyers, thinking of how to come up with a home down payment seems like a far off dream in Neverland. Well it’s like anything in life, once you actually learn about it, understand it and … Continued

Top 3 Ways to Prep to buy a house

The month is off to a great start, your neighbor won’t stop blasting annoying teen pop and your landlord is raising rent. But seriously, if you’re starting to get the feeling, that renting just isn’t cutting it anymore, it’s time to put your head down, and find out what you need to do to buy … Continued

Now is the time to buy!

If you’re like me (a renter), you may keep asking yourself this one question, “Is now a good time to buy?” Both loan officers and Realtors hear this question very frequently. Prospective homeowners wonder about the economy, higher prices, as well as their budget. For those committed to purchasing a home, first-time buyers or even … Continued

The World of Mortgage Loans in a Nutshell

Selecting the right mortgage loan for your financial goals may seem to be overly complicated, but with a little advanced homework, you’ll be much more prepared. Below are some great starter basics to understanding home loans. Fixed-rate versus ARM—With a fixed-rate loan, the interest rate stays the same throughout the life of the loan. The … Continued