Welcome to the BeSmartee blog. Enjoy a wide selection of articles related to mortgages, the industry, and real estate.

Can Investing in Real Estate Get You Rich?

Can Investing in Real Estate Get You Rich?
By Laura Agadoni · Mar 8, 2017 · Mortgage

You can get rich from real estate. But it doesn't happen overnight. It takes time to see some serious benefit, and you need to know what you're doing. Read more.


Is Your 2017 Goal to Become a Homeowner? Here is What You Should Do To Make it Happen
By Amanda Curry · Feb 15, 2017 · Mortgage

Don't know the first thing about becoming a homeowner? Fear not! Read on for proven steps to make your dream a reality in 2017! Read more.


Automation in Processing Loans: How It Helps Homebuyers
By Laura Agadoni · Feb 12, 2017 · Digital Lending

Automation makes the mortgage process more predictable and is faster, which can ultimately make both lenders and borrowers happier. Read more.


Does Homeowners Insurance Pay Off your Mortgage if the House is Burned Down?
By Amanda Curry · Feb 8, 2017 · Mortgage

In this article, we explore how homeowners insurance works and what happens in the event of a house fire. Read more.


What are Energy Efficient Mortgages?
By Amanda Curry · Feb 1, 2017 · Mortgage

In this article, we answer your most frequently asked questions about Energy Efficient Mortgages (EEM). Read more.


Which One Is Worse: Foreclosure or Short Sale?
By Laura Agadoni · Jan 23, 2017 · Mortgage

If you're faced with either a foreclosure or a short sale situation and aren't sure what to do, read on. We asked some experts which one is worse. Read more.


5 Tips for Getting a Mortgage in 2017
By Laura Agadoni · Jan 19, 2017 · Mortgage Rates

It's a new year, and you're ready to buy a house. Before you do, consider some tips from mortgage experts. Read more.


A Closer Look at Why Loan Officers and Real Estate Agents Don't Get Along
By Amanda Curry · Jan 3, 2017 · Mortgage

In this article, we discuss why loan officers and real estate agents do not get along and what they can do to foster a better relationship. Read more.


5 Key Differences Between Banks and Nonbank Lenders
By Laura Agadoni · Dec 8, 2016 · Mortgage

Learn the differences between banks and nonbank lenders to help you decide which way to go when taking out a mortgage or a small business loan. Read more.


Will Bitcoin be a Game Changer in Mortgages?
By Amanda Curry · Dec 4, 2016 · Technology

In this article, we discuss how Bitcoins are transforming the mortgage process and how they are affecting lenders, home buyers and sellers. Read more.


Is it Possible to Buy a Home After Retirement?
By Amanda Curry · Dec 1, 2016 · Mortgage

Purchasing a home after retirement is possible, but challenging. In this article, we discuss the challenges and considerations of moving into a home during retirement. Read more.


How These 5 Real Estate Tech Companies Can Improve Your Experience
By Laura Agadoni · Nov 27, 2016 · Technology

The goal of many real estate tech companies is to tailor products for consumers that will improve customer experience. But with so many real estate tech companies entering the marketplace, it can be overwhelming to know just what's out there. We've highlighted five real estate technology companies for you. Read more.


6 Tools to Help Real Estate Professionals Dominate the Market
By Today's Guest Contributor · Nov 20, 2016 · Real Estate

If you're thinking to yourself, ''I am not tech savvy enough to understand these tools,'' you're wrong. Most of these tools are intuitive and user-friendly. Read more.


4 Reasons Why Seattle will Continue to be a Hot Market in 2017
By Amanda Curry · Nov 16, 2016 · Real Estate

Seattle home prices won't be slowing down any time soon. Here are some reasons why Seattle will continue to be a hot market in 2017. Read more.


Were 2016 Market Predictions Right or Wrong?
By Amanda Curry · Nov 13, 2016 · Mortgage

Now that 2016 is coming to a close, and we look forward to 2017, we're taking a look back to see if their market predictions were accurate. Read more.


How to Be Successful Selling FSBO
By Laura Agadoni · Nov 8, 2016 · Real Estate

What's the secret to being successful at selling your home FSBO? We've provided stories from three people who have had success selling their own home without using a real estate agent. Here's what they had to say. Read more.


Marijuana Legalization Affect on Real Estate Prices
By Amanda Curry · Nov 6, 2016 · Real Estate

President Obama is a proponent of legalized marijuana, claiming that decriminalizing marijuana possession would help boost the US economy by reducing incarceration costs. But, what role does the legalization of marijuana play with property values in the US? Read more.


5 Realtor Tips to Get Your Offer Accepted Right Away
By Today's Guest Contributor · Nov 2, 2016 · Real Estate

When you find your dream home, stay calm and remember the following realtor tips to get your offer accepted faster. Read more.


Would you Consider Buying a Haunted Home?
By Amanda Curry · Oct 30, 2016 · Real Estate

Haunted homes may be fun to visit, but when it comes to searching for your dream home, most homebuyers avoid properties with a haunted reputation. Read more.


Do I Have to Disclose a Death in My Home When Selling?
By Laura Agadoni · Oct 26, 2016 · Mortgage

Whether home sellers need to disclose a death on the property and the kind, a peaceful death from natural causes or a gruesome or accidental one, depends on the state. Read more.


What Happens to My Mortgage When My Spouse Dies?
By Laura Agadoni · Oct 24, 2016 · Mortgage

We would like to help by answering the question of what happens to your mortgage when your spouse dies, and we've asked several experts to chime in. Read more.


What to Look for When Buying a Smart Home
By Amanda Curry · Oct 23, 2016 · Technology

Did I set the security system? Did I turn off the lights? A smart home gives you the control to check on these things from your smart phone or tablet. Read more.


Tips for Refinancing your Mortgage
By Amanda Curry · Oct 19, 2016 · Refinance

When is it the right time to refinance? We've turned to the pros to find out their best tips for refinancing your mortgage. Read more.


The Global Economy in Late 2016: What You Need to Know
By Arvin Sahakian · Oct 18, 2016 · Mortgage Rates

Central banks around the world are using negative interest rates as a tool to boost their economies. They are facing challenges with unintended consequences. Read more.


Will Zika Effect Real Estate Prices in Florida?
By Amanda Curry · Oct 16, 2016 · Real Estate

In this article, we examine the potential effects of the Zika virus on the real estate industry in Florida. Read more.


Ultimate Sellers To-Do Checklist
By Veronica Nguyen · Oct 12, 2016 · Real Estate

Use this seller's to-do list if you're planning to sell your home and move to a new place. Read more.


Houston vs. Dallas: Which One is Better to Live in?
By Amanda Curry · Oct 11, 2016 · Real Estate

Houston Vs. Dallas? If you are considering moving to either of these major metropolitan areas, we've created a resource to help you make the decision process a little easier. Read more.


Fannie Mae: Q3 2016 Mortgage Lender Survey Highlights
By Arvin Sahakian · Oct 9, 2016 · Mortgage

Mortgage lenders are optimistic about the future of the home loan mortgage business. Read more.


7 Habits to Prepare You for Homeownership
By Veronica Nguyen · Sep 28, 2016 · Mortgage

Become a homeowner by following these 7 habits. Read more.


Buying a House at Auction: Is It Worth It?
By Laura Agadoni · Sep 25, 2016 · Real Estate

Before you head over to the next house auction in your area (or bid online), you should learn the ins and outs of buying a house at auction. Read more.


Should You Pay Extra on Your Mortgage Loan?
By Laura Agadoni · Sep 21, 2016 · Mortgage

We have interviewed several financial and mortgage experts to find out what they say is the best course of action when it comes to paying off a mortgage and what their reasoning is. Read more.


Financial Experts Discuss How Low Credit Scores Impact Your Home Loan Rate
By Amanda Curry · Sep 20, 2016 · Mortgage

Lenders typically advertise the rates that are available for their most attractive prime customers. These customers typically have great credit scores, says David Reiss. Read more.


Mortgage Rate, APR and Total lnterest Percentage (TIP): What they mean in Mortgages?
By Veronica Nguyen · Sep 19, 2016 · Mortgage

Learn how a Mortgage Rate, APR and Total Interest Rate (TIP) are calculated on your mortgage loan. Read more.


Is the Homeownership Rate in the U.S. Falling?
By Amanda Curry · Sep 8, 2016 · Real Estate

In this article, we investigate why homeownership rates have reached all-time lows and how it is effecting the housing market. Read more.


Real Estate Seminars: Are They Worth It?
By Laura Agadoni · Sep 7, 2016 · Real Estate

We have an exclusive interview with Mark Ferguson who will give you insight into the world of real estate seminars. Read more.


How These 3 Millennials Bought Their Homes
By Laura Agadoni · Aug 30, 2016 · Mortgage

Here are three stories from millennials on how they went about buying their first home. Read more.


30-Year Fixed-Rate Mortgages Since 1970
By Veronica Nguyen · Aug 29, 2016 · rates

Historical data shows that 30-Year Fixed-rate mortgages are at all-time lows. Read more.


6 Tips from Mortgage Professionals to Help You Avoid Foreclosure
By Laura Agadoni · Aug 19, 2016 · Real Estate

If you are serious about avoiding foreclosure, here are six tips that you should know. Read more.


8 Ways to Help Your Adult Child Buy a Home
By Veronica Nguyen · Aug 17, 2016 · Real Estate

Here are 8 ways parents can help their adult children buy a home. Read more.


10 Questions Every Successful Real Estate Agent Asks Themselves
By Veronica Nguyen · Aug 11, 2016 · Real Estate

After taking the real estate exam you should have a clear picture of what your new career will look like. Here are questions you should ask yourself to help you succeed as a Real Estate Agent. Read more.


Keep an Eye on your Credit Score with the Best Credit Monitoring Sites
By Amanda Curry · Aug 8, 2016 · Mortgage

Pulling your credit score can tell you where you stand before applying for a loan. In an effort to help you monitor your credit score, we've researched the top credit monitoring services. Read more.


5 Reasons Your Home Is Not Selling
By Laura Agadoni · Aug 3, 2016 · Real Estate

Don't panic if your home is not selling. There are many reasons that could explain why your home isn't selling. We've listed five of them. Read more.


Should You Get a Mortgage with a Credit Union?
By Laura Agadoni · Aug 2, 2016 · Mortgage

Most people experience great customer service at their credit union and typically enjoy higher savings rates there and get better deals on auto loans. But what about mortgage loans? Read more.


Warning Signs: Another Housing Bubble Is Coming
By Laura Agadoni · Jul 25, 2016 · Real Estate

Signs show another bubble coming. Some experts have a different opinion. Read more.


Are Mortgage Rates Affected by Presidential Elections?
By Amanda Curry · Jul 20, 2016 · Mortgage Rates

One way to determine if mortgage rates are affected by the Presidential election is see to if there is any correlation between their direction and elections. Read more.


New Mexico Property Tax: Complete List by County 2015
By BeSmartee Staff · Jul 17, 2016 · Property Tax

Property tax rates for all counties of New Mexico fiscal year for 2015. Read more.


Getting a Mortgage When Building My Own Home
By Laura Agadoni · Jul 13, 2016 · Real Estate

If you have a large ''must-have'' list, you might be the perfect candidate to build your own home. Read more.


6 Tech Products That Make a Smart House
By Amanda Curry · Jul 12, 2016 · Real Estate

If you are looking to incorporate some of the latest smart-home devices, here are six to consider. Read more.


The Truth About Living in Manhattan
By Amanda Curry · Jul 6, 2016 · Real Estate

Every year, thousands of people flock to Manhattan to pursue new careers or fulfill their dreams, however, once they get there, they realize it isn't all rainbows and sunshine. Read more.


What Exactly Is a Smart City?
By Laura Agadoni · Jul 4, 2016 · Data

Smart cities typically contain a host of sensors that control mechanisms, such as traffic and streetlights. Some cities are using devices to make their cities smart. Read more.


10 Reasons You Can't Afford to Buy a House
By Laura Agadoni · Jun 29, 2016 · Real Estate

10 reasons you might not be able to buy a house today. But with the right preparation, you could soon be ready. Read more.


Los Angeles vs. San Francisco: Which One Would you Choose to Live In?
By Amanda Curry · Jun 26, 2016 · Real Estate

Although San Francisco and Los Angeles share the same state, they are extremely different in terms of weather and nature, and cost of living. Read more.


8 Reasons Why Summer is the Perfect Time to Purchase a Home
By Amanda Curry · Jun 23, 2016 · Real Estate

You may not realize it, but with less competition, increased buyer power, and sunnier days, summer can be an ideal time to find your dream home. Read more.


What You Should Know Before Buying a Home in California
By Laura Agadoni · Jun 19, 2016 · Real Estate

There's no doubt that California, with its beautiful weather, great cities, and its beaches, mountains, deserts, forests, national parks, and lakes, is a desirable place to live. Read more.


This Week in Mortgage Rates: Fed Announces No Rate Hike
By Amanda Curry · Jun 15, 2016 · rates

Brexit, will make it difficult for Treasury yield and mortgage rates to rise in the upcoming weeks. Read more.


Hard Money Loans: Questions and Answers
By Today's Guest Contributor · Jun 13, 2016 · Mortgage

Hard money loans are loans from private investors that enable mortgage borrowers to attain financing to purchase, remodel, or reconstruct their homes when the conventional mortgage loan options are not available to them. Read more.


Million Dollar Homes in Orange County
By Amanda Curry · Jun 9, 2016 · Real Estate

If you are considering living a luxurious lifestyle in the OC, or even if you just like to dream, we've highlighted some of the top million dollar locations for you to consider: Read more.


Mortgage Rates Drop After the Unexpected Jobs Report
By Amanda Curry · Jun 8, 2016 · Mortgage

Mortgage rates ending as of June 9, 2016 Read more.


What Is a Digital Mortgage?
By Laura Agadoni · Jun 2, 2016 · Mortgage

With a digital mortgage you might still meet with a loan officer, but if you do, you don't do so in person. Read more.


Mortgage Rates on Upward Trend
By Amanda Curry · Jun 2, 2016 · Mortgage

Markets are adjusting to the idea of a Fed rate hike, Freddie Mac said. Read more.


Why Paying Off Your Mortgage Should Be Part of Your Goals
By Laura Agadoni · May 22, 2016 · Mortgage

Paying off a mortgage used to be a common goal of many homeowners. Read more.


Unethical Loan Officer Stories
By Laura Agadoni · May 17, 2016 · Mortgage

Lending standards are tighter today because of what happened almost a decade ago. But that doesn't mean there aren't still unethical loan officers out there. Read more.


Open House Horror Stories
By Laura Agadoni · May 8, 2016 · Real Estate

Open houses are to the real estate world what live TV is to media: you never know what will happen with either. Read more.


How to Research Neighborhood Crime Before You Buy
By Laura Agadoni · Apr 13, 2016 · Real Estate

It is up to you to research neighborhood crime before you buy a house. Learn how. Read more.


The Beginner's Guide to Debt-to-Income Ratio
By Laura Agadoni · Apr 10, 2016 · Mortgage

Learn everything there is to know about debt-to-income ratio. Read more.


Has the California Real Estate Bubble Burst?
By Laura Agadoni · Mar 29, 2016 · Real Estate

Home prices have been going up for a while now. Some real estate agents say we've hit the top...Have we? Read more.


How to Get Pre-Qualified Online for a Home Loan
By Vince Work · Mar 27, 2016 · Mortgage

Do you need to get pre-qualified for a home loan? Read this article to learn how. Read more.


Attention Software Developers: Join The BeSmartee Team!
By Tim Nguyen · Mar 24, 2016 · Our Journey

BeSmartee is a diverse, easy-going team located in Huntington Beach, CA. We're a family oriented company where values are the guiding force behind everything we do. Read more.


6 Creative Financing Solutions For Your Next Home Purchase
By Laura Agadoni · Mar 22, 2016 · Mortgage

In this article we explore some creative financing options for your next home purchase. Read more.


How Much Should I Expect to Pay in Property Tax?
By Laura Agadoni · Mar 16, 2016 · Real Estate

When you buy a house, there's a little (well not so little, really) expense you might not have thought much about: property taxes. These vary widely depending on many factors. Read more.


Why Do Mortgage Rates Differ Between Counties?
By Arvin Sahakian · Mar 14, 2016 · Mortgage

Mortgage rates differ from county to county primarily due to the risk an investor of a mortgage or a portfolio (of numerous mortgages) has to face and be willing to pay for. Because mortgage investment risk is relative and variable, so too are their interest rates. Read more.


The Secrets To Becoming a Successful Veteran Real Estate Agent
By Vince Work · Mar 10, 2016 · Real Estate

Breaking into real estate as an agent is tough. There is no guaranteed income. You usually have to spend your own money on marketing and advertising. Read more.


Do I Pay Commission When Buying a Home?
By Laura Agadoni · Mar 8, 2016 · Real Estate

A very common question home buyers ask is: Do I pay the commission to the real estate agent that finds me a home? Read more.


The Secret Weapon For Real Estate Agents In Tough Markets: The 1031 Exchange
By Mike Work · Mar 4, 2016 · Real Estate

Are you having a hard time closing real estate deals lately? Today's hack will help. Read more.


4 Creative Ways Real Estate Agents Can Produce During Periods Of Low Sales Volume
By Laura Agadoni · Mar 2, 2016 · Real Estate

In this article we discuss four ways that real estate agents can get ahead when their local market begins to slow down. Read more.


10 Things You Shouldn't Do When Holding An Open House
By Today's Guest Contributor · Mar 1, 2016 · Real Estate

This article was written by an actual open house enthusiast - not a real estate professional. Take a step in this open house visitor's shoes to see what turns them off :). Read more.


The Surge in Foreign Real Estate Investment in the United States
By Laura Agadoni · Feb 24, 2016 · Real Estate

Foreign real estate investment in the United States, both commercial and residential, is a huge phenomenon that is only expected to accelerate, maybe even to skyrocket, in 2016. Read more.


What Are The Telltale Signs Of A Bad Real Estate Agent?
By Mike Work · Feb 22, 2016 · Real Estate

What do you look out for? What are the signs? In this article, we'll explore some common warning signs so that you can find the right professional for the most important transaction of your life. Read more.


Why do Mortgage Rates Vary From State to State?
By Arvin Sahakian · Feb 18, 2016 · Mortgage

There are several factors that influence changes in mortgage rates. Nationally, the service release premiums (SRP), the prime rate, London Interbank Offered Rate (LIBOR), bond yields, inflation and mortgage-backed securities all have an effect on interest rates. Regionally, the borrower demand, local property values, mortgage default rates and unemployment rates can also play a part in mortgage rate variation. Read more.


How to Buy a House Sight Unseen
By Laura Agadoni · Feb 17, 2016 · Real Estate

In the HBO TV series, The Leftovers, characters in the show spend all their savings to buy a house, sight unseen. But they were dealing with a post-apocalyptic world and just needed a house, any house, no matter its condition. Read more.


Where Do Silicon Beach Startups Go In February? Schmoozd!
By Vince Work · Feb 14, 2016 · Our Journey

We're getting out of the office this Wednesday to mix it up with the Silicon Beach crowd. If you're in the area - come on by! We'd love to meet and chat. Read more.


Do I Really Need a Real Estate Agent?
By Laura Agadoni · Feb 11, 2016 · Real Estate

The question of whether home sellers and buyers need an agent is like cilantro: You either love it, or you think it tastes like soap. In other words, most people feel strongly about the topic. Read more.


Real Estate Agents are Using BeSmartee's Incentives to Grow Their Brand
By Arvin Sahakian · Feb 9, 2016 · Real Estate

Real Estate Agents and Brokers are partnering with BeSmartee to promote their business and increase traffic to their websites and open houses, for free. Read more.


Myth Busting The Rocket Mortgage Super Bowl Commercial
By Vince Work · Feb 8, 2016 · Mortgage

Did you see it? What was your reaction? Read more.


Infographic - A Timeline Of The Escrow Process
By Laura Agadoni · Feb 4, 2016 · Real Estate

We created this infographic to help first time home buyers understand the process and duration of escrow. Read more.


Answers To Common Questions That First Time Home Buyers Have
By Vince Work · Feb 2, 2016 · Real Estate

In this article we interview a real estate agent with questions that a first time home buyer might have. Read on to learn some critical things you should be aware of as a first time home buyer. Read more.


A Timeline of the Home Buying Escrow Process
By Laura Agadoni · Feb 1, 2016 · Real Estate

A good way to understand escrow is to think of it as a financial middleman. With an escrow account, a third party holds onto funds from a first party for a second party. You might wonder why the first party doesn't simply give the money to the second party, and that's a good question. Read more.


The Beginner's Guide To Fixed-Rate Mortgages
By Laura Agadoni · Jan 28, 2016 · Mortgage

Unless you can shell out cash to buy a home, you will need to take out a home loan, or a mortgage. Although there are different types of mortgages available to consumers, such as a variety of adjustable-rate mortgages and balloon mortgages, the most popular is the fixed-rate mortgage, which is a fully amortizing loan, meaning that you get to spread out the debt in regular payments over time. Read more.


The Advantages of BeSmartee for Real Estate Agents
By Arvin Sahakian · Jan 26, 2016 · Real Estate

BeSmartee enables lenders to offer home buyers tools to pre-qualify for a loan in 2 minutes, get an instant approval with an approval letter in 20 minutes and close a mortgage loan in about 2 weeks. Read more.


5 Illegal Borrowing Activities: Things That Are Illegal When You Try to Get a Home Loan
By Laura Agadoni · Jan 22, 2016 · Mortgage

Whenever there is money to be made or money to be spent, some unscrupulous folks will take advantage, trying to game the system or commit all-out fraud. Read more.


How To Use A Mortgage Affordability Calculator
By Arvin Sahakian · Jan 20, 2016 · Mortgage

Today we are going to teach you how use the BeSmartee Mortgage Affordability Calculator. Read more.


The Beginner's Guide To The Reverse Mortgage
By Laura Agadoni · Jan 18, 2016 · Mortgage

If a mortgage is money you borrow to get a loan, then could a reverse mortgage possibly means the opposite: the lender paying you? Read more.


Contribute to the BeSmartee Blog
By Vince Work · Jan 14, 2016 · Our Journey

If you are a real estate or mortgage professional and have a passion to educate, we would love to have you contribute to our blog. Read more.


How to Use a Mortgage Closing Cost Calculator
By Arvin Sahakian · Jan 13, 2016 · Mortgage

In this article, we're going to teach you how to use our BeSmartee Mortgage Closing Cost Calculator. You will use this calculator to estimate detailed closing costs for a mortgage loan. Read more.


10 Hacks to Improve Your Credit Score
By Laura Agadoni · Jan 12, 2016 · Mortgage

When I was just out of college, I never thought much about my credit report or the significance of having a high or low score, that is until my car was repossessed. Once that happened, I learned fast. Read more.


How Does my FICO Credit Score Affect The Cost of my Home Loan? Infographic
By Vince Work · Jan 7, 2016 · Mortgage

In this infographic we look at how your interest rate changes based on your loan-to-value ratio and FICO credit score. Read more.


What is a FICO Score or Number?
By Vince Work · Jan 6, 2016 · Mortgage

This famous score goes back to the mid-1950s when two roommates sharing a San Francisco apartment came up with an idea. Read more.


What Is Passive Income?
By Laura Agadoni · Jan 5, 2016 · Real Estate

Passive income is a great way to generate monthly income with little to no work on your part. In this article, you will learn what passive income is and how it applies to real estate. Read more.


Mortgage Delinquencies in Los Angeles County
By Arvin Sahakian · Dec 31, 2015 · Mortgage

Mortgage payments 90+ days late will trigger the first step in the foreclosure process, the filing of the Notice of Default. In this article, you will learn what a mortgage delinquency is and what the delinquency data looks like in Los Angeles County. Read more.


What Happens When A Mortgage Becomes Delinquent?
By Arvin Sahakian · Dec 29, 2015 · Mortgage

A delinquent mortgage occurs when payments are 30, 60 and 90 days late. After 90 days, the lender begins the unfortunate foreclosure process. This article outlines and details each of the major steps in the delinquency process. Read more.


San Diego Mortgages: Origination Fees & Loan Volume 2011-2014
By Arvin Sahakian · Dec 25, 2015 · Real Estate Data

San Diego County homeowners paid approximately $2.154 Billion in fees to lenders and brokers to attain a purchase loan and refinance their existing home loans from 2011 - 2014. In this article we break down loan quantity, loan volume and fees paid for each year. Read more.


Home Ownership: 10 Costs You Should Prepare For
By Laura Agadoni · Dec 22, 2015 · Real Estate

When buying a home, you must consider all of the expenses that you will be responsible for beyond typical financing and purchasing costs. We will discuss the 10 most important expenses you should consider before buying a home. Read more.


Orange County CA Mortgages: Origination Fees & Loan Volume 2011-2014
By Arvin Sahakian · Dec 18, 2015 · Mortgage

Orange County homeowners have paid an estimated $2.340 Billion in origination fees to attain a purchase and refinance loan on their homes from 2011 - 2014. We review how many mortgages were originated, the average loan amount and what borrowers paid in fees each year. Read more.


What Is HOA? Know Before You Buy
By Laura Agadoni · Dec 10, 2015 · Real Estate

A Home Owners Associations (HOA) manages property for the collective owners of a real estate community. Depending on how the HOA is managed can determine whether your investment becomes a nightmare, or a dream come true. We explain how in this article. Read more.


What Is a Prime Rate?
By Laura Agadoni · Dec 8, 2015 · Mortgage

Prime rate determines the interest rate you pay for short-term loans such as credit cards, home equity lines of credit and adjustable rate mortgages. The fluctuation of the prime rate can help predict how consumers will spend money in the near future. Read more.


What Is the Mortgage Bankers Association (MBA)?
By Laura Agadoni · Dec 2, 2015 · Mortgage

The Mortgage Bankers Association (MBA), based out of Washington D.C., is a U.S. based national organization that represents the real estate finance industry. Read more.


San Francisco Mortgages: Origination Fees & Loan Volume 2011-2014
By Arvin Sahakian · Dec 1, 2015 · Mortgage

San Francisco County homeowners have paid an estimated $817.949 Million in origination fees to attain a purchase and refinance loan on their homes from 2011 - 2014. We review how many mortgages were originated, the average loan amount and what borrowers paid in fees. Read more.


10 Best Livable Cities in California
By Laura Agadoni · Nov 25, 2015 · Real Estate Data

Deciding where to live in California can be a tough choice. This article lists the 10 best livable cities in California based on amenities, crime rate, schools, employment, and commute time. Read more.


How Much House $500,000 Buys in California from 2012-2015
By Arvin Sahakian · Nov 18, 2015 · Real Estate Data

We answer the question of how much house $500,000 can buy in California from 2012-2015 using real estate listing images and addresses of homes in five popular cities throughout the state California. Read more.


Rent or Buy: How to Know Which One is Right for You
By Laura Agadoni · Nov 11, 2015 · Real Estate

The dilemma of buying or renting a home is something many Americans wrestle with every year. This article will outline the benefits of owning a home and of renting a home to help you decide which may be the right choice for you. Read more.


Los Angeles Mortgages: Origination Fees & Loan Volume 2011-2014
By Arvin Sahakian · Nov 3, 2015 · Mortgage

Los Angeles County homeowners have paid an estimated $5.2 Billion in origination fees to attain a purchase and refinance loan on their homes from 2011 - 2014. This article will review how many mortgages were originated, the average loan amount and what borrowers paid in fees. Read more.


San Francisco Real Estate: Commission Paid
By Arvin Sahakian · Oct 28, 2015 · Mortgage

San Francisco is well known for its Golden Gate Bridge and technology startups. This article will outline how many homes have sold in S.F. County, the total sales volume, and how much in commission brokers and real estate agents made. Read more.


Los Angeles Real Estate: Commission Paid & Sales Data 2014
By Arvin Sahakian · Oct 21, 2015 · Real Estate Data

L.A. is one of the most popular counties in the U.S., with millions of residents calling it home. This article will outline how many homes have sold in L.A. County, the total sales volume, and how much in commission brokers and real estate agents made. Read more.


California Association of Realtors (C.A.R.): Who Are They & What Do They Do?
By Arvin Sahakian · Oct 14, 2015 · Real Estate

The California Association of Realtors (C.A.R.) is one of the oldest real estate agent associations in the U.S. Learn about their history, what they offer their members and the public and see data with charts about membership and licensees. Read more.


Lending Tree vs Bankrate: What They Do
By Arvin Sahakian · Oct 7, 2015 · Mortgage

Lending Tree and Bankrate attract and refer website visitors to lenders, banks, and other credit providers for a fee. This article will review the history and describe how these companies make money through the services they provide. Read more.


FSBO (For Sale By Owner) Real Estate: What You Need to Know
By Arvin Sahakian · Sep 30, 2015 · Real Estate

FSBO is a method by which a home owner seeks to sell their property without using a real estate broker. There are advantages and disadvantages to selling your home using this method which we will review in this article. Read more.


California Property Tax Calendar: Dates You Should Know
By Arvin Sahakian · Sep 23, 2015 · Real Estate Data

Homeowners in California must pay semi-annual property taxes on November 1st and February 1st. In addition to these dates, we will review the entire property tax calendar to keep you well informed about California property taxes. Read more.


Zillow, Trulia
By Arvin Sahakian · Sep 16, 2015 · Real Estate

Zillow, Trulia and are popular online destinations for home owners, home buyers and real estate professionals alike. Each have gained market share by providing a service to its users that was not easily available in the past. Read more.


The MLS (Multiple Listing Service): Past, Present and Future
By Arvin Sahakian · Sep 9, 2015 · Real Estate

The MLS is a real estate listing service created for and by real estate brokers to help one another sell their clients properties. Learn about the past, present and future of the MLS and what they must do to survive among growing competition. Read more.


Donald Trump: Strategies for Real Estate
By Arvin Sahakian · Aug 28, 2015 · Real Estate

Real estate has been the foundation on which Donald Trump has built a successful business empire. Learn strategies you can use that have made Donald Trump a successful real estate investor. Read more.


Real Estate Commission: Explained, Revealed and Compared
By Arvin Sahakian · Aug 17, 2015 · Real Estate Data

Real estate agents receive commissions from home buyers and sellers, collectively earning over $50 Billion per year. Learn how commission amounts are set, who pays them, and how they work in this article. Read more.


Introduction to Mortgage Backed Securities
By Arvin Sahakian · Aug 12, 2015 · Mortgage

Mortgage-backed securities are bonds backed by payments on mortgages and other real estate loans. Although complex, some investors find them to be an attractive investment. Read more.


Chinese Real Estate Buyers in California
By Arvin Sahakian · Aug 5, 2015 · Real Estate Data

Chinese nationals are quickly becoming the largest percentage of international buyers of U.S. homes. Learn why California is the most popular place for their real estate purchases, what they're buying, and the impact it's having. Read more.


The Recent California Real Estate Bubble
By Arvin Sahakian · Jul 29, 2015 · Real Estate Data

Throughout history, real estate bubbles have formed and burst in cycles that often fall within the same decade. Many see their investments rise in value, only see them fall again. Learn what occurs before, during and after a real estate bubble bursts. Read more.


Mortgage Loans for Manufactured Homes
By Arvin Sahakian · Jul 22, 2015 · Mortgage

Manufactured homes offer an inexpensive alternative to typical housing. Learn what a manufactured home is and the types of mortgage loans available Read more.


What is a REIT (Real Estate Investment Trust)?
By Arvin Sahakian · Jul 15, 2015 · Real Estate

REITs are high-performing investments that allow shareholders to benefit from real estate investments without having to buy individual properties. Read more.


Single Family Home VS Condominium
By Arvin Sahakian · Jul 6, 2015 · Real Estate

Buyers in the market for a home often choose between a single family home and a condo. We discuss and compare both property types to make your decision process easier. Read more.


What is a Second Mortgage?
By Arvin Sahakian · Jul 3, 2015 · Mortgage

A second mortgage can be an important financial tool in specific situations. However, it is important to understand exactly what it is so you can make sure you are using this tool wisely. Read more.


7 Benefits of Owning Real Estate Versus Renting
By Arvin Sahakian · Jun 22, 2015 · Real Estate

Owning real estate has benefits over renting, such as tax deductions, no capital gains taxes and having fixed monthly payments regardless of inflation. These are 7 important benefits of owning real estate. Read more.


Mortgage Loans for International Buyers
By Arvin Sahakian · Jun 19, 2015 · Mortgage

International buyers find real estate in the United States attractive, but the purchasing process is different for these buyers. Learn about the trend in international buyers, who they are and why they buy in the U.S. Read more.


What is a Subprime Loan?
By Arvin Sahakian · Jun 15, 2015 · Mortgage

Subprime mortgages are ideal for borrowers with less than stellar credit. They offer competitive rates and the ability to finance property using traditional methods and lenders. Read more.


What is a Home Equity Loan?
By Arvin Sahakian · Jun 12, 2015 · Mortgage

A home equity loan can help you with home repairs, improvements or to consolidate credit card debt. Learn more about this type of loan to decide if it's right for you. Read more.


What is an Adjustable Rate Mortgage (ARM)?
By Arvin Sahakian · Jun 8, 2015 · Mortgage

An adjustable rate mortgage has a lower rate and is fixed for a limited number of years. Understanding what makes these loans unique can help you determine if it is a good option for you. Read more.


What is a Hard Money Loan?
By Arvin Sahakian · Jun 5, 2015 · Mortgage

A hard money loan is a type of quick financing secured by a property. Understanding how this loan differs from others will help you determine if it's a good option for your needs. Read more.


Is Mortgage Life Insurance Right for You?
By Arvin Sahakian · Jun 3, 2015 · Mortgage

Mortgage Life Insurance will pay off your mortgage balance if you die. Learn about the pros and cons of this insurance option to determine if it is the right protection for your family. Read more.


Should You Use Your 401(K) to Purchase a Home?
By Veronica Nguyen · Jun 1, 2015 · Mortgage

You can use your 401(K) to purchase a home. We will list some things to consider when making a decision about using your 401(K) for real estate purchases. Read more.


Construction Loans for Your Dream Home
By Arvin Sahakian · May 29, 2015 · Mortgage

Construction loans give home owners and new buyers the option to easily build their dream home. This article describes the basics of what's involved in the construction loan process. Read more.


Purchase Loans for Rental Properties
By Arvin Sahakian · May 27, 2015 · Mortgage

The rental property business is booming, but getting started often requires financing . This article will help you understand the basics of financing a rental property. Read more.


What is a Jumbo Loan?
By Arvin Sahakian · May 22, 2015 · Mortgage

You need a jumbo loan if you are buying a home in a high cost State. We will discuss important things you must know before you shop for a jumbo loan. Read more.


How to Reduce Your Property Taxes
By Arvin Sahakian · May 18, 2015 · Real Estate Data

Most homeowners pay their property taxes without considering the possibility of lowering their bill. You may be able to reduce your property taxes using these simple steps. Read more.


What is Title Insurance?
By Arvin Sahakian · May 15, 2015 · Mortgage

Title insurance protects homeowner's from any defects and errors in title. Understanding title insurance is an important step for anyone considering purchasing a home or refinancing a home loan. Read more.


What is Mortgage Insurance?
By Arvin Sahakian · May 13, 2015 · Mortgage

Whether or not you choose to utilize it, understanding mortgage insurance is vital for anyone buying a home or refinancing an existing home loan. Read more.


5 Tips to a Successful Short Sale
By Arvin Sahakian · May 11, 2015 · Real Estate

If your home is worth less than the mortgage loan, selling using a short sale method will relieve the mortgage obligation and avoid a foreclosure. Read more.


How Much Are Third Party Closing Costs for Mortgage Loans?
By Veronica Nguyen · May 8, 2015 · Mortgage

Knowing about your third party closing costs can help you understand the total cost of your loan, and allow you to see what fees you can negotiate to reduce. Read more.


6 Tips for Single Homebuyers
By Arvin Sahakian · May 6, 2015 · Real Estate

Single homebuyers should consider these 6 tips to become better prepared for what lies ahead with home ownership. Read more.


5 Tips to Reduce Mortgage and Real Estate Closing Costs
By Veronica Nguyen · May 4, 2015 · Mortgage

Closing costs for mortgage and real estate transactions are inevitable. Negotiate to reduce your closing costs using these 5 easy tips. Read more.


A Detailed Look at TILA-RESPA Integrated Disclosures (TRID)
By Arvin Sahakian · May 1, 2015 · Mortgage

The new mortgage Loan Estimate and Closing Disclosure documents will replace RESPA and TILA disclosures. Easier to read, understand, and use to compare offers with other lenders. Read more.


What is Included in RESPA and TILA Mortgage Disclosures?
By Arvin Sahakian · Apr 29, 2015 · Mortgage

RESPA and TILA disclosures display the rate, terms, fees and costs associated with a mortgage loan. They can be used to shop around for a better deal with a different lender. Read more.


HARP 2.0 Can Lower Your Mortgage Payments
By Arvin Sahakian · Apr 27, 2015 · Mortgage

HARP helps homeowners with high loan-to-value (LTV) ratios, unable to refinance their mortgage loan as a result to lower their mortgage payments easily. Read more.


What is a Mortgage Right of Rescission?
By Arvin Sahakian · Apr 24, 2015 · Mortgage

The Right of Rescission allows you to cancel a home loan refinance process, even after you have signed the loan documents, for any reason. Read more.


What is a Reverse Mortgage?
By Arvin Sahakian · Apr 22, 2015 · Mortgage

A reverse mortgage uses the equity in your home to give you a regular monthly income for housing and living expenses. Learn everything you need to know about choosing the best reverse mortgage program. Read more.


10 Mortgage Facts You Should Know
By Veronica Nguyen · Apr 20, 2015 · Mortgage

These 10 mortgage facts will give you an advantage when shopping for a home or refinancing an existing loan. Read more.


What Are Mortgage Points?
By Arvin Sahakian · Apr 17, 2015 · Mortgage

Understanding what mortgage points are, how to calculate them and how they affect you is the key to choosing the right mortgage with the best interest rate and terms. Read more.


5 Tips on Getting a Mortgage Loan after Bankruptcy
By Veronica Nguyen · Apr 15, 2015 · Mortgage

A bankruptcy will make it very difficult to attain a home loan. These 5 tips will help you re-establish your credit quickly in order to qualify for a home loan. Read more.


Is Using a Co-Signer Right for You?
By Arvin Sahakian · Apr 13, 2015 · Mortgage

A co-signer can help you qualify for a mortgage more easily without having to give up any legal claim to the ownership in your home. Read more.


7 People You Will Get to Know During the Mortgage Process
By Veronica Nguyen · Apr 11, 2015 · Mortgage

Learn about the people who will be involved in your mortgage loan process. Knowing who they are and what they do will help you understand how best to use their services to your benefit. Read more.


E-Signatures Will Change the Mortgage and Real Estate Industry
By Arvin Sahakian · Apr 9, 2015 · Mortgage

E-Signatures simplify complex real estate and mortgage transactions, making it easier, faster and cheaper for buyers, sellers and borrowers to conduct business. What used to take days and weeks can be accomplished in as little as 15 minutes. Read more.


Saving for a Down Payment on a Home
By Arvin Sahakian · Apr 8, 2015 · Real Estate

Saving up for a down payment is one of the most important steps towards home ownership. Use these common sense actions to easily save up for a down payment on a home. Read more.


Is Home Co-Ownership Right For You?
By Arvin Sahakian · Apr 6, 2015 · Real Estate

Home Co-Ownership can make owning a property more affordable while being a better alternative to renting. Learn about the four types of co-ownership and the risks and benefits involved. Read more.


5 Things Home Buyers Must Know
By Veronica Nguyen · Apr 3, 2015 · Real Estate

All home buyers must know what to look for when viewing a home for sale, what questions to ask during the viewing and what strategies to use when making an offer. Read more.


Mortgage Application Checklist
By Veronica Nguyen · Apr 1, 2015 · Mortgage

This mortgage application checklist will help you get prepared before you apply for a home mortgage. Gathering this information ahead of time will ensure this process moves quickly and limits any delays. Read more.


What is a Mortgage?
By Arvin Sahakian · Mar 30, 2015 · Mortgage

A mortgage is a lien against a property that's used as security for the repayment of a loan. Mortgage is also a word commonly used to refer to a home loan. Read more.


7 Questions to Ask Yourself Before Getting a Home Loan
By Veronica Nguyen · Mar 26, 2015 · Mortgage

Consider the answers to these 7 questions before getting a home loan to help you better assess the financial obligations, responsibilities and risks involved with a mortgage transaction. Read more.


What is a FHA Loan?
By Arvin Sahakian · Mar 24, 2015 · Mortgage

An FHA Loan is a mortgage that is insured by the Federal Housing Administration (FHA). This type of loan is intended to reduce the risk of loss by lenders in cases where borrowers default on their mortgage payments. Read more.


10 Must Read Tips for Home Buyers
By Veronica Nguyen · Mar 17, 2015 · Real Estate

Whether you are a first time or experienced home buyer, these 10 must read tips will ensure you are better prepared before you begin your search for a new home. Read more.


Obsession for a Purpose
By Tim Nguyen · Mar 10, 2015 · Our Journey

BeSmartee is here to reinvent the mortgage industry and make it easy and transparent for you to get a home loan online anytime. Read more.


REO - Real Estate Owned Properties
By Arvin Sahakian · Mar 10, 2015 · Real Estate

REO means Real Estate Owned, also known as Bank Owned. This occurs when a lender takes full ownership of a property because the previous owner was foreclosed on, and the lender was unsuccessful in auctioning off the property to a new buyer. Read more.


What is a Short Sale?
By Arvin Sahakian · Mar 3, 2015 · Real Estate

In real estate, you've heard the term short sale. But what does that mean? And is this option for selling or buying property something you should consider? Read more.


What to Expect During the Home Loan Closing Process
By Arvin Sahakian · Feb 24, 2015 · Mortgage

You've heard the term used before, but what does loan closing mean? Find out all you need to know about the process. Read more.


The Most Important and Common Home Loan Documents
By Arvin Sahakian · Feb 21, 2015 · Mortgage

Here we cover the most common home loan documents and their purpose. Read more.


What is a Real Estate Agents Job Description?
By Arvin Sahakian · Feb 17, 2015 · Real Estate

We all know that real estate agents are here to help you buy and sell your home, but what exactly does a real estate agent or realtor do for you? Read more.


What Documents Are Required for a Home Loan?
By Arvin Sahakian · Feb 5, 2015 · Mortgage

Lenders require that you provide documents to verify your income, assets, credit and other qualifying information. Gather these documents ahead of time to avoid unnecessary delays. Read more.


Different Types of Mortgage Loan Options
By Veronica Nguyen · Feb 3, 2015 · Mortgage

When it comes to picking the right loan type, none are better than another. It depends on your own goals. Read on to understand the many options available and which may be better for you. Read more.


14 Ways to Improve Your Credit Score to Qualify for a Mortgage
By Veronica Nguyen · Jan 29, 2015 · Mortgage

To qualify for a mortgage your credit report and score is scrutinized by all lenders. Make the right moves and improve your credit score to qualify. Read more.


What's in Your Mortgage Loan Application?
By Arvin Sahakian · Jan 13, 2015 · Mortgage

The most important document in the entire loan process and where any attempt to get a mortgage starts. See detailed explanation and examples of each section of the mortgage loan application. Read more.


What's the Difference Between a Pre-Qualification, Pre-Approval and Approval?
By Arvin Sahakian · Jan 8, 2015 · Mortgage

Understand the difference between getting pre-qualified, pre-approved, approved and what it means to you. Read more.


How to Choose a Mortgage Lender?
By Arvin Sahakian · Jan 5, 2015 · Mortgage

When deciding which mortgage lender to get a loan with, choose those who are accurate, efficient, timely and who provides excellent customer service. Read more.


Everything About Your Credit Score and Mortgage
By Veronica Nguyen · Dec 9, 2014 · Mortgage

All you need to know about your credit score and how it affects your ability to get approved for a mortgage. Learn how mortgage lenders use your credit report and score. Read more.


Tax Deductions for Homeowners
By Veronica Nguyen · Dec 8, 2014 · Real Estate

List of the most common mortgage and real estate tax deductions you need to know about. Read more.


What is Escrow?
By Arvin Sahakian · Dec 7, 2014 · Mortgage

Escrow is a neutral third-party who safeguards your real estate and mortgage transaction. They ensure all parties are in agreement before releasing money and closing. Read more.


What is a Mortgage Interest Deduction?
By Arvin Sahakian · Nov 30, 2014 · Mortgage

The I.R.S. rules for mortgage interest deductions can significantly reduce your personal income taxes. Learn how to take advantage of this benefit. Read more.


16 Ways to Improve Your Debt-to-Income (DTI) Ratio
By Veronica Nguyen · Nov 29, 2014 · Mortgage

Your DTI is used by mortgage lenders to determine whether you qualify for a loan, and if so, for how much. Improve your DTI with these 16 tips. Read more.


California Proposition 60 and 90: Your Complete Guide
By Tim Nguyen · Nov 28, 2014 · Real Estate Data

If you live in California and are over the age of 55 you can effectively reduce your property taxes when buying a new home. Read more.


California Property Tax: Complete List by County 2014-2015
By Tim Nguyen · Nov 26, 2014 · Real Estate Data

List of secured property tax rates for all counties of California fiscal year for 2014-2015. Read more.


California Property Tax
By Tim Nguyen · Nov 25, 2014 · Real Estate Data

Although Proposition 13 set property taxes in California at a flat 1% you may find that your effective property taxes are much higher. Here is how California property taxes work. Read more.


What is a Loan Amortization Schedule?
By Arvin Sahakian · Nov 20, 2014 · Mortgage

Learn what an amortization schedule is, see an example of what it looks like, and find out why it is important when getting a mortgage loan. Read more.


How Much House Can I Afford?
By Tim Nguyen · Nov 14, 2014 · Real Estate

Learn how to calculate how much house you can afford and determine your monthly payment and mortgage loan amount. Read more.


How to Calculate Debt-To-Income Ratio
By Veronica Nguyen · Nov 13, 2014 · Mortgage

Your debt-to-income (DTI) ratio is used by mortgage lenders to determine how much of a monthly payment you can afford. Read more.


What is APR?
By Arvin Sahakian · Nov 8, 2014 · Mortgage

Learn what APR is, how to quickly calculate it and what it means to you when choosing a lender and mortgage loan. Read more.


Introducing BeSmartee
By Tim Nguyen · Oct 17, 2014 · Our Journey

Learn more about BeSmartee's dream and how we plan on changing the world by changing the mortgage industry. Read more.