Ryan Christensen's Blog

Posted on 01/22/2021

Based on data compiled by Credible Operations, Inc.: 30-year fixed-rate mortgages: 2.500%, 20-year fixed-rate mortgages: 2.375%, 15-year fixed-rate mortgages: 1.750%, Rates last updated on January 22, 2021....

Refinance

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Posted on 01/20/2021

Is the Market Ready for Me to Invest?

Photo by Edar via Pixabay You’ve been considering an investment in real estate but are you really ready? Putting your money into something you haven’t done your homework on could be detrimental. You may even have all the tools, but are still straddling the fence. How will you know it’s time? Here are a few signs that indicate...

Posted on 01/13/2021

PMI - What It Is and Why It's Important

Photo by Gino Crescoli via Pixabay Private Mortgage Insurance (PMI) may be a common term in home buying, but not every home buyer understands exactly what it will mean for their finances. This short guide will give you the basics, so there are fewer surprises down the line. What Is PMI? PMI is a type of insurance that...

Posted on 01/11/2021

Interest Rates on the Raise

Based on data compiled by Credible Operations, Inc., current mortgage refinance rates are trending up since last Friday. Average rates for all loan types spiked to 2.542%, while 30-year rates rose to 2.750%, a high not seen since December 3, 2020. 30-year fixed-rate refinance: 2.750%, Up from 2.625%, +0.125 20-year fixed-rate refinance: 2.750%, Up from 2.625%, +0.125 15-year fixed-rate...

Posted on 01/11/2021

CA - Proposition 19 - Inherited Property from a Parent/Grandparent

Proposition 19 was passed and as part of the measure, children who inherit their parents’ houses will no longer receive a property tax break if they intend to keep it as a second home or rent it out. This has a serious effect on the traditional parent-child exemption from reassessment under the original Proposition 13. Previously, transfers of the...

Posted on 01/08/2021

2021 Social Security Tax Cap

If you have a traditional job, you pay 6.2% of your salary per year in Social Security taxes. That number is then matched by your employer. But there’s a cap on how much money people are expected to contribute every year. In 2021, you will pay Social Security taxes on all of your income up to $142,800. That is...

Posted on 01/06/2021

Small-Scale Bathroom Remodeling Projects

Photo by Christian Mackie on Unsplash Fixing up your bathroom can add considerable value to your home, which is important to keep in mind if you plan on selling in the near future. If you would rather avoid having to make major changes to your bathroom, there are several minor remodeling projects to consider instead. The following remodeling...

Posted on 01/04/2021

Best Ways to Save for a First Home

One of the most expensive and important purchases you’re likely to make in your lifetime is that of a home. Let’s face it, home ownership is one of the central components of the American “dream.” Moreover, owning a home continues to be talked about as one of the safer investments a person can make. To that end, when is...

Posted on 12/30/2020

How to Install or Replace Insulation

Image by mnplatypus from Pixabay Proper insulation not only helps you save on your energy bills. It reduces your energy impact on the environment and may create a great selling point for your home when the time comes. But knowing were to insulate an existing home can be a project. Here's what you need to know. How to...

Posted on 12/23/2020

How Your Credit Score Affects Your Interest Rate

Image by Tierra Mallorca from Unsplash One of the most important things to check once you decide to start the home-buying process is your credit score. The three major credit bureaus keep track of how you pay for your credit and how much credit you have. Your score fluctuates, sometimes daily, depending on how much you owe and...

Posted on 01/06/2021

Another Property Sold - 815 S Chantilly Street, Anaheim, CA 92806

This 4 bedroom 2 bathroom house is ready for your creative ideas. The Master Bedroom includes 2 separate closets. The large Living Room is ideal for family to gather and enjoy, which includes a gas or wood burning fireplace. A separate Dining area is located off the kitchen. The Kitchen includes a breakfast bar. The backyard is situated for friends and guests to socialize. there are also selected fruit bearing trees along with a potential space that can be used as for a dog run or RV access on the north side of the house. The house is freeway close to the 57, 91 and Interstate 5. Close to several shopping, entertaining and dining...

Posted on 01/06/2021

Another Property Sold - 815 S Chantilly Street, Anaheim, CA 92806

This 4 bedroom 2 bathroom house is ready for your creative ideas. The Master Bedroom includes 2 separate closets. The large Living Room is ideal for family to gather and enjoy, which includes a gas or wood burning fireplace. A separate Dining area is located off the kitchen. The Kitchen includes a breakfast bar. The backyard is situated for friends and guests to socialize. there are also selected fruit bearing trees along with a potential space that can be used as for a dog run or RV access on the north side of the house. The house is freeway close to the 57, 91 and Interstate 5. Close to several shopping, entertaining and dining...