Manuel Angeles's (manuelangeles) Blog

If you are new to home financing, you may be a little confused by some of the common terms that are used in the process. These common terms will help simplify getting your home loan and ensure you understand what stage you are at and what comes next.   Getting A Loan Pre-Qualification: This is a...

Economic data is traditionally one of the key contributors to interest rate movement. Of the regularly-scheduled reports, none has more market-moving street cred than The Employment Situation--otherwise known as "the jobs report" or simply NFP (due to its headline component: Non-Farm Payrolls).Th...

🏠 A garage sale is a great way to make a few dollars and get rid of a lot of clutter in your home. It can also be a lot of work. But with a few simple tips, you can create a garage sale that runs smoothly and makes you more money. Getting Ready Get all of your things for the garage sale ready to...

After spiking in early January, interest rates returned to near-all-time-low levels by the middle of the week.  By the end, however, the market began to flash a warning about more volatility ahead.The warning is fairly simple.  It has to do with a pattern that's been repeating in the bond market ...

🏠 While there is a lot of focus on how to childproof a home, it’s important to be aware that there are also pet safety issues in any home. Not only should you be concerned for the wellbeing of your pet, but look also for problems that could result in your pet getting out or accidentally hurting ...

🏠 When selling your home, the last thing you want to do is invest more into it, but in most cases making a few repairs or renovations to your home before putting it on the market can really be worth the financial and time investment. You want your home to look fresh, modern, and clean, and with a...

📄  When you are ready to buy a home, applying for a mortgage is one of the first and most important steps. For married couples, this usually involves applying for a mortgage loan jointly. This means that the loan will be in both of your names and you will be co-owners of the house.While it may se...

🏡 Now that you’ve signed all the paperwork and your loan is approved, it’s time to move in. But wait! Before you put your feet up, there are a few things that you will need in order to make your new house a home. LocksRegardless of whether you purchase a newly constructed home or one that was for...

🏘️ Whatever time of year you find yourself shopping for a new home, it’s important to give some thought to what that home will be like throughout the rest of the year. Be on the lookout for things that could affect the access and comfort of your home through all the months of the year.  Winter Co...

It's a busy time of year on a busier-than-normal year, so I'll keep this short. Those interested in more detail can click through the links. One major theme in the 2nd half of 2020 is that mortgage rates have been insulated from market drama--walking a different path than their usual best friend...