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At West Coast Realty Group Orange County we work with partners to help our clients. Our partners at Arbor Financial Group and California Title Company have a wealth of information, including a comprehensive guide for first-time home buyers.

The Home Buying Institute also has an extensive library of practical information online, including:

How Long Does Mortgage Underwriting Take? After you apply for a home loan, your file will move on to the underwriting stage. This process can take anywhere from a few days up to several weeks, depending on these variables. Read more: http://www.homebuyinginstitute.com/#ixzz4RbfFKRjP

The Mortgage APR Explained As a home buyer, you should understand the difference between the annual percentage rate (APR) and the “regular” interest rate. The APR shows the full cost of the loan, including fees and charges. The home buying tips in this article will help you keep it all straight. Read more: http://www.homebuyinginstitute.com/#ixzz4RbfSH0N3

How Much Can I Afford With an FHA Loan? The FHA loan program is very popular among home buyers. But there are some spending limits you need to know about. Loan limits and debt-to-income ratios are two examples. Read more: http://www.homebuyinginstitute.com/#ixzz4RbgK8ifn

Can I Negotiate for a Lower Mortgage Rate? Negotiating with a lender could work out to your advantage. For instance, if you shave a few basis points off your interest rate, it could save you thousands over the term of your loan. At the same time, you have to be realistic about your qualifications as a borrower. Read more: http://www.homebuyinginstitute.com/#ixzz4RbfVnBHf