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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Home Improvements With The Best ROI In 2019


California real estate

1. Backyard patio – California

Even though it’s still wintertime, that didn’t stop outdoor additions from topping Remodeling’s list — and we can see why. After all, who wouldn’t want a backyard oasis, somewhere they can go to totally escape from the pressures of day-to-day life? If you take the time to invest in your backyard patio, it will do all that for you and more.

Creating the perfect patio is all about infusing a sense of intimacy and relaxation into the space. You can do that by making sure to include a central focal point, much like the firepit shown above. If firepits aren’t your thing, consider using an outdoor area rug to ground the space. Then, be sure to include lots of comfy seating to round it out.

2. Bathroom addition – California

If you’ve been thinking of adding an extra bathroom for a while, now may be the time to take the plunge. According to this year’s Cost vs. Value Report, a whopping 60.6 percent of the total project cost of adding a bathroom was recouped in the increase to the home’s value.

When you’re adding another bathroom into the mix, your biggest consideration should be the layout. Since you’re building this room from scratch, you should have more freedom to design it as you see fit. Make sure you plan the layout around the number of people who will be using the bathroom on a daily basis and allow enough room for safe movement.

3. Bathroom remodel – California

However, you don’t have to spend the cash to add an entirely new bathroom to see some benefit to freshening up your lavatories. A simpler bathroom remodel came in just behind the bathroom addition, recouping either 67.2 or 60.2 percent of the cost, depending on whether it was a mid-range or upscale remodel.

When you’re focusing on a bathroom remodel, the vanity should be your first point of action. A modernized vanity can bring a whole new look to the space. Beyond that, replacing fixtures is also a fast fix, as is replacing and refreshing your accessories, such as wall art, bath mats or hand towels.

4. Deck addition – California

Similar to the backyard patio that took first place, deck additions are experiencing a surge in popularity this year. Decks made of composite materials, in particular, have piqued homeowners’ interests. Decks made of wood are not far behind, though, taking up the following spot on the list.

Surprisingly, these days, setting up a deck is a lot like setting up an open concept living and dining space. You want to provide plenty of seating for people to gather. Don’t forget the accessories, either. The combination of outdoor rugs, outdoor throw pillows and plants is enough to create a cozy space where everyone will want to hang out.

5. Entry door replacement – California

Though it may seem like almost an afterthought, your front door makes a statement. Breathe some new life into your entry and front yard by replacing your door with a new one. Alternatively, if that’s too big of an expense, consider giving your old door a fresh look with a new coat of paint.

When decorating your entryway, all the standard rules of curb appeal apply. Complement your front door by adding a new welcome mat, some fresh house numbers and some plants. If you need inspiration, check out this post on eye-catching front doors to help you start thinking about what type of door might look good with your home.

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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

Loan Options

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