Mortgages Made Simple

Informing, empowering, and providing solutions for homebuyers and homeowners. Explore expert mortgage insights, financial strategies, and personalized guidance to overcome obstacles on your homeownership journey.

Cash-to-Close - All-In Investment

Amber Jones

Published on: 17/03/2025

Your cash-to-close is more than just your down payment—it includes closing costs, prepaid expenses, and other upfront fees that can impact your home-buying budget. 🏡 While down payment assistance programs exist, they often come with higher interest rates or strict eligibility guidelines, making them challenging to use. In this blog, we break down what’s included in cash-to-close, common misconceptions, and how working with a mortgage broker can help you find the best options to minimize upfront costs.

Home Buying

Understanding Your Monthly Payment: Your Ongoing Commitment

Amber Jones

Published on: 10/03/2025

Your monthly mortgage payment is more than just a number—it’s a key part of your long-term financial stability. 🏡 From principal and interest to property taxes and homeowners insurance, understanding each component helps you budget effectively and avoid surprises. In this post, we break down how monthly payments are calculated, what factors influence them, and strategies to ensure your mortgage fits comfortably within your financial plan.

Home Buying

The Purchase Price: The Foundation of Your Home Loan

Amber Jones

Published on: 03/03/2025

The purchase price of a home is more than just a number—it sets the foundation for your entire mortgage. 🏡 From determining your loan amount to influencing your equity position, understanding how to set the right purchase price is key to a successful home-buying journey. In this blog post, we break down what factors to consider, how to research market values, and strategies to ensure your budget aligns with your goals.

Home Buying

Understanding Home Loan Structure: The Three-Legged Stool

Amber Jones

Published on: 28/02/2025

In this post, we introduce the concept of structuring a home loan as a three-legged stool, where each leg represents a key component of your mortgage. This comprehensive overview helps you understand how each of these factors impacts your home loan and overall financial goals.

Home Buying

Important Disclaimer Information

Amber Renee Jones is an independent mortgage broker, NMLS #322407 | CA DRE 01469517 | TX #322407, powered by C2 Financial Corporation, NMLS #135622 | CA DRE #01821025 | TX #135622, located at 12230 El Camino Real, Suite 100, San Diego, CA 92130. The services referred to herein are not available to persons outside of the states of California or Texas.

This is not a commitment to lend. Equal Housing Opportunity.