What are Mello-Roos Taxes?
What Are Mello-Roos Taxes and How Do They Affect Your Property Tax Bill? If you’re thinking about buying a home, especially in a newer neighborhood, you may have heard the term “Mello-Roos.” But what does it mean, and how does it affect your property taxes? Let’s break it down in a simple way. What Are…
Read MoreTax Season Reminder: File Your Taxes on Time & Use Your Refund for A Down Payment!
As tax season is in full swing, it’s important to remember the deadline for filing your taxes! For most taxpayers, the due date falls on April 15, 2025. Missing this deadline can result in penalties and interest, so be sure to file on time or request an extension if needed. What Can You Do With…
Read MoreBig News: Medical Debt No Longer Impacting Credit Scores!
The Consumer Financial Protection Bureau (CFPB) has recently finalized a groundbreaking rule that will remove medical debt from consumer credit reports. This is a significant step in reshaping how creditworthiness is evaluated, providing millions of Americans with a fresh financial start. How This Rule Positively Affects Credit Scores While this new rule does not eliminate…
Read MoreFairfield, California February Events
Fairfield, California, offers a vibrant array of events in February 2025, catering to diverse interests, including winery tours, culinary experiences, and family-friendly activities. Here’s a curated list of upcoming events: Valley Strong Credit Union Grand Opening & Ribbon Cutting Date: February 5, 2025, 5:00 PM – 7:00 PM Location: Fairfield Main Branch Description: Celebrate the…
Read MoreGoing into 2025 With Mortgage Rates and Home Prices
As we move through 2025, many homeowners and potential buyers in California are curious about the direction of interest rates under the current administration. Recent statements from Federal Reserve officials suggest that interest rates may decrease over the medium term. For instance, Fed Vice Chair Philip Jefferson noted that rates are likely to fall gradually,…
Read MoreUnderstanding California Property Tax Bills: Annual vs. Supplemental
California property tax season is here, and many homeowners are receiving their annual tax bills in the mail. If you’re a new homeowner, this might be the first time you’ve received one. You may also notice an additional tax bill called a “supplemental tax bill.” Understanding the difference between these two types of property tax…
Read MoreDiscover October Events in Vacaville, CA!
Fall in Vacaville is full of events that bring together community and fun! For potential first-time homebuyers, it’s a great time to explore all this city offers—from family-friendly festivals to concerts and lively nightlife. Here’s a lineup of some exciting events this October, so you can experience what it’s like to live in this amazing…
Read MoreMortgage Rates Higher after the Fed Rate Cuts in September?
If you’ve been following the news, you might have heard that the Federal Reserve cut interest rates on September 18, 2024, by 50 basis points (0.5%). But, despite this cut, mortgage rates have recently increased, leaving many homeowners and potential buyers confused. Let’s break down what’s going on and how it affects your buying or…
Read MoreYour Guide to Getting Preapproved for a Home Loan in Vacaville, California
Are you dreaming of buying your first home in Vacaville, California? Whether you’re ready now or planning a few years down the road, getting preapproved for a home loan is an important first step. Here’s what you need to know to get started! Why Preparation Matters Buying a home isn’t something that happens overnight. It…
Read MoreWhat the Upcoming Interest Rate Drop Means for Homebuyers and Homeowners in California
If you’re thinking about buying a home or refinancing your mortgage in California, there’s some important news on the horizon. The Federal Reserve (often called “the Fed”) is expected to lower interest rates by about 0.25% to 0.5% in September 2024. These reductions could continue into 2025. But what does that mean for you, and…
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