Jose Gonzalez

Loan Originator

NMLS# 2121403

Jose Gonzalez Loan Originator

Blog

Explaining the Mortgage Contingency Clause

Buying a home is a major decision, and most buyers need a loan to make it happen. That’s where the mortgage contingency comes in—a clause in your purchase agreement that can protect you if Jul 29, 2025

The Difference between Appraised Value and Market Value

When you’re buying a home, understanding the difference between appraised value and market value is essential. These two numbers often don’t match — and that can affect your mortgage Jul 24, 2025

The Changing Tides of the Housing Market

The real estate market is changing. One of the biggest updates is a noticeable increase in the number of homes for sale. This shift could benefit buyers, as more options mean less pressure and more ch Jul 22, 2025

DIY Home Improvements: When to Do It Yourself and When to Call the Pros

Taking on a home improvement project yourself can be rewarding—and it may even save you money. But not all DIY efforts increase your home's value. Some may do the opposite. If you're planning to Jul 17, 2025

Dreaming of Your Own Slice of Paradise? Vacation Home Buying Considerations

Thinking about buying a vacation home? Whether it’s a beach condo or a quiet cabin in the mountains, owning a second property can offer both personal enjoyment and long-term value. But before yo Jul 15, 2025

Cap Rate: Your Key to Smart Rental Property Investing

Thinking about buying a rental property? The cap rate is a very important tool for measuring potential income and risk. What Is Cap Rate?Cap rate (capitalization rate) is a percentage that shows how m Jul 10, 2025