Rancho Coastal Properties, Inc. Blog

Blog Post Types of Mortgage Lenders
By Rancho Coastal Properties - Sunday, March 22, 2026

Types of Mortgage Lenders

Mortgage Bankers. Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is considered to be a mortgage ban...
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Blog Post Build a Plan of Action and Get Ready
By Rancho Coastal Properties - Sunday, March 22, 2026

Build a Plan of Action and Get Ready

Buying a home will probably rank as one of the biggest personal investments one can make. Being organized and in control will contribute significantly to getting the best home deal possible with the least amount of stress. It’s important to anticipate the steps required to succ...
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Blog Post Considering Offers
By Rancho Coastal Properties - Sunday, March 22, 2026

Considering Offers

When reading an offer, keep in mind that you are out to get the best price AND the best terms for you. If you focus solely on the price, you may overlook terms that could be favorable to you as a seller. Some terms that may work in your favor: higher-than-market-interest in a...
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Blog Post Statements of Information
By Rancho Coastal Properties - Sunday, March 22, 2026

Statements of Information

What’s in a name? When a title company seeks to uncover matters affecting title to real property, the answer is, “Quite a bit.” Statements of Information provide title companies with the information they need to distinguish the buyers and sellers of real property from oth...
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Blog Post Why You Should Not Make Any Major Credit Purchases
By Rancho Coastal Properties - Sunday, March 22, 2026

Why You Should Not Make Any Major Credit Purchases

Don’t go on a spending spree using credit if you are thinking about buying a home, or in the process of buying a new home. Your mortgage pre-approval is subject to a final evaluation of your financial situation. Every $100 you pay per month on a credit payment could cost you a...
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Blog Post Know Why You are Selling
By Rancho Coastal Properties - Sunday, March 22, 2026

Know Why You are Selling

If you know exactly why you are selling then it is easier for you to follow the right plan of action for getting what you want. If you are a seller who needs to close a sale as quickly as possible, then you should know that getting the highest price possible is not one of your p...
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Blog Post Creative Financing
By Rancho Coastal Properties - Sunday, March 22, 2026

Creative Financing

Creative financing: You’ve heard of it, and, as a seller, the idea sounds pretty attractive. But, do you know everything you need to know about carrying back a second; essentially, about becoming a lender? You better know the same things that financial institutions know - you b...
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Blog Post The Advantages of Different Types of Mortgage Lenders
By Rancho Coastal Properties - Sunday, March 22, 2026

The Advantages of Different Types of Mortgage Lenders

What kind of lender is best? If you ask a loan officer, “What kind of lender is best?” the answer will be whatever kind of company he works for and he will give you a list of reasons why. If you meet the same loan officer years later, and he works for a different kind of len...
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Blog Post Use a Buyer's Agent
By Rancho Coastal Properties - Sunday, March 22, 2026

Use a Buyer's Agent

It’s important that you choose an experienced agent who is there for you. Your agent should be actively finding you potential homes, keeping you informed of the entire process, negotiating furiously on your behalf, and answering all of your questions with competence and speed. ...
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Blog Post Making a Good First Impression
By Rancho Coastal Properties - Sunday, March 22, 2026

Making a Good First Impression

If you want buyers to be interested in your home, you need to show it in its best light. A good first impression can influence a buyer both emotionally and visually, thus prompting them to make an offer. In addition, what the buyer first sees is what they think of when they consi...
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