VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

Reverse Mortgages

For homeowners to leverage the equity in their home.

Refinancing

Replace your current home loan with a new one.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Fixed-Rate Mortgages

Offers predictability for your budget.

FHA Home Loans

Popular for first-time homebuyers.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

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Contractors Every Homeowner Should Have in Their Contacts


California home improvement

When it’s time to enlist the help of an outside contractor, it’s important to choose a reliable and experienced individual. Picking the right person for the job can be a more intricate process than many are led to believe, but with careful screening, you’ll be able to build a list of qualified contractors to work with when things go wrong. Here are five essential contractors that every homeowner should keep in their contacts:

Carpenter

A carpenter is one of the most common contractors a homeowner will work with. While you may be able to handle some carpentry-related tasks on your own, depending on your experience, having a carpenter you trust will come in handy for larger, more complicated projects.

Carpenters will deal with the construction, repair and installation of any structures made from wood or similar materials. This can include walls, windows, doors, flooring and other types of molding or frames. Carpenters may insulate buildings, install cabinetry, assemble framework or build new walls. Because carpenters provide valuable help to both the interior and exterior of your home, consider making this relationship one of the first you seek out when purchasing a property.

Electrician

Faulty wiring and other electrical malfunctions are something you shouldn’t attempt to repair on your own if you don’t have experience in this field. Performing even minor electrical work presents a series of risks to both the worker and those occupying the property, and the electrical system in your home can impact nearly every aspect of your property. Faulty electrical work can cause inconvenience, significant damage or even create a fire hazard in extreme cases. Due to safety codes involved with electrical work, it’s best to keep a reliable electrician on call.

An easy way to find an electrician you trust is to follow recommendations from another homeowner whose opinion you value. Request to see the license and ask about professional history to make sure the electrician you choose will be the best fit.

Plumber

Plumbing and piping can be one of the most intimidating parts of a home. While fixing small leaks or unclogging drains is something you’ll likely learn to do on your own over time, you may require the help of an experienced plumber sooner or later for bigger issues. Plumbers are suited to take care of extensive damage and repairs, and can also provide you with data such as quotes, isometric drawings or anything else you may need for repairs or remodels.

Even as little as a quarter-inch of standing water can cause structural damage to a home, so make sure you choose a plumber who’ll answer your calls and be readily available.

Roofer

Since roofing involves a highly complex set of skills, it’s advisable to not try to tackle this project yourself (unless you have specific roofing experience, of course). Roofers can install, repair or replace the roof of a building using various materials such as shingles, bitumen or metal.

Roof work can be expensive so it’s important to perform regular maintenance to catch small issues before they turn into major ones. This part of a home’s exterior is directly exposed to weather-related damage, and preventing extensive damage like leaks or mildew build-up is critical to protecting your property.

Mason

Walls, fences and other related structures usually fall into the landscaping category, so a mason may not be a contractor that’s at the top of your list. However, these projects are complex and usually require the assistance of a skilled professional. If any of these structures are located on your property, or if you plan to build something to improve the quality and market value of your home, it doesn’t hurt to find someone skilled in masonry.

Depending on the materials they work with, there are three main types of masons: brick masons, stonemasons and block masons. As the titles suggest, they can work with brick, natural stones or concrete blocks to build walls, fences and other structures.

It’s important to build a list of trusted professional contractors before you need them. That way, when something comes up, you won’t be left scrambling to settle for the first available person you can find. While there are certain tasks you can and should perform on your own, most repairs and remodels are best done with the assistance of a licensed professional.

Source: Brentnie Daggett

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VA Home Loans
Reverse Mortgages
Refinancing
Prime Jumbo and Super Jumbo Mortgages
Fixed-Rate Mortgages
FHA Home Loans
Conventional Mortgages/Conventional High Balance
Self Employed Loan Programs
Bank Statement Programs
Investor DSCR or Rental Income Loans

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