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New Marin County Office

The San Francisco team of Primary Residential Mortgage, Inc. (PRMI) is excited to announce the launch of a new location in Marin County! Located in the upscale Larkspur Landing Circle area across from Marin Country Mart, this new location will allow PRMI to provide even better service to its clients and industry partners inside and outside of the Bay Area. Continue reading “New Marin County Office”

Should You Sell or Rent When It’s Time to Move?

Most people sell when their current homes are no longer right for them. But renting your home can actually be a more lucrative option than selling it.

There are many factors to consider when deciding whether or not to rent out your home. You must consider your financial situation and current market conditions, among other things. Here are the basics if you’re thinking of turning your home into a rental property.

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What You Should Know About Adjustable-rate Mortgages

Adjustable-rate mortgages (or ARM loans) get a bad rap in part because they fueled the subprime mortgage crisis in 2008 and 2009 (90% of subprime loans during this time were adjustable-rate loans). But they’re not all bad.

Believe it or not, adjustable-rate mortgages can be a good choice for some types of home buyers. Here’s what you need to know about adjustable-rate mortgages when you’re shopping for a home loan. Continue reading “What You Should Know About Adjustable-rate Mortgages”

Tiny Homes For Sale Around America

The tiny house trend has been around for several years. Tiny homes became more mainstream as the housing market tanked and the economy suffered, but tiny homes have stuck around even as the economy has recovered.

So why go smaller? Energy costs have continued to move upward, and smaller homes consume significantly less energy than traditional homes do. Home sizes in general have also decreased in the past few years, and there is much less focus on a home as an investment in the future. It doesn’t hurt that tiny homes are a fraction of the cost of a traditional home, either. Here’s a look at some of the tiny homes for sale in America right now. Continue reading “Tiny Homes For Sale Around America”

The Best Paint Colors for Challenging Rooms

When it’s time to paint your home, what’s a good way to narrow down what colors are the best choice for different types of rooms, especially the tricky ones? While there isn’t a definitive list of good and bad paint choices, there are guidelines that can help you make a better choice.

Some paint colors can make a small room look smaller (but on the flip side, other colors can make it look larger than it actually is). If you’re painting a very sunny room, you’ll want to use different colors than if you’re painting a room that doesn’t get much natural light. Here are some guidelines for choosing the best paint colors for your home. Continue reading “The Best Paint Colors for Challenging Rooms”

What to Do When Your Home Is on the Market Too Long

A home that sits on the market too long doesn’t hold much interest for potential buyers. Why would they be interested in something that it appears nobody else is interested in? People often assume that there is something wrong with a home that’s been sitting for a long time.

There are a variety of reasons why homes are on the market for a long time. If you find yourself in this undesirable situation, what can you do about it? Here are some ideas to help generate more interest in your home (and if you haven’t listed your home yet, here’s how to prevent this problem).

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Budget Bathroom Updates

Bathrooms are one of the costliest rooms in your home to remodel, and most people have more than one, compounding the problem. The expense often comes from labor costs for things that go beyond your average DIY skills.

If you don’t have the money or the time for a full bathroom remodel, small changes can make your bathroom a much more luxurious and functional space. This is especially true if you are willing to put in a little bit of the work yourself. Here are some great budget update ideas to get you thinking.

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Unique Homes for Sale Around the Country

Your home will look boring compared to these that are currently on the market. They’ve got to make you wonder if your home needs a little more character!

Who knows, maybe you’ll get some good ideas for your home. But really, just for fun, here’s a peek into the listings for some of the unique homes that are currently on the market.

Continue reading “Unique Homes for Sale Around the Country”

Best Home Decorating Blogs

With all of the home decorating blogs out there, it can be hard to know where to look when you need some ideas for your own home. This is especially true if you don’t really know what your home decorating style is. Lucky, some of these blogs are on a mission to  help you figure that out. Sometimes it’s great to just pull up a well-written blog and relax by looking at all of the beautiful pictures—these blogs are good for that, too.

So whether it’s just for fun or whether you have a new home to decorate, these blogs fit the bill. They’re a lot of fun and are chock full of good information, too. Here are some of the best home decorating blogs out there right now, so go check them out!

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Making Your Home Safe for Halloween

One of the best parts of Halloween is making your house look spooky for trick-or-treaters. But keep safety in mind while you’re decorating with pumpkins, strings of lights, and fake tombstones.

A little thinking ahead goes a long way toward making your home and yard a safe place for trick-or-treaters to come. Make it easy for them to get to your door with these simple steps.

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Proportion and Placement in Design

There are so many things to think about when decorating a room—you have to find the right balance of colors, textures, and shapes to make a room come to life. And you want to make all of it fit your own personal style.

The important elements of proportion and placement often get neglected during the design process, but they go a long way towards making a room warm and welcoming. You can have perfectly coordinated pictures, for instance, but they’ll still look wrong if they’re not hanging in a balanced way. Learn more about how to use proportion and placement to your advantage as you decorate.

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Mortgages and the Fed’s Interest Rate Announcement

Interest rates in the U.S. have been at a record low for a long time—nearly a decade, in fact. Many have expected 2015 to bring the first increase in rates.

This month, the Fed announced that it would not be raising interest rates just yet, as had been widely assumed for much of the year. The benchmark interest rate for short-term loans remains at a target level of 0 to .25 percent. Discover what this means for mortgages in both the short- and long-term.

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How to Establish Credit When You Don’t Have Any

It’s the ultimate catch-22. You need good credit to be approved for a loan or a credit card, but you can’t get good credit without first having a loan or a credit card. This is a frustrating and common problem: one in ten Americans doesn’t have a credit score.

So what’s a person to do? After all, you’ll probably need credit at some point in your life, since the financial world revolves around credit scores. The strength of your credit history is the deciding factor in car loans, mortgages, and qualifying for a credit card. Read on for a few ideas about what to do when you don’t know where to start. Continue reading “How to Establish Credit When You Don’t Have Any”

Fall Housing Market Update

You’ve likely heard some scary news about the recent dips on Wall Street. But take comfort in this sign of a thriving economy: the housing market is getting increasingly stronger and is recovering from huge dips in 2008 and 2009.

Even though recent gains may not totally make up losses from the housing crisis, several key indicators show significant housing market growth. Read about the good signs analysts are seeing now. Continue reading “Fall Housing Market Update”

Some of the Best Home-Related Instagram Feeds

Instagram can be a treasure trove of ideas for your home or apartment. Do you need organizational tips or ideas for your next furniture project? Or do you just want to look at pictures of pretty buildings and rooms? It’s all right at your fingertips.

But with all the home-related Instagram feeds out there, it can be overwhelming to know where to go to find the best of the best. Here are some recommendations for décor, architecture, and DIY projects. Continue reading “Some of the Best Home-Related Instagram Feeds”

New Mortgage Forms Make Shopping for a Mortgage Easier

There has traditionally been a lot of confusing paperwork that goes along with buying a house, at least if you needed a mortgage. New mortgage forms and regulations were supposed to be implemented on August 1, but to give people more time to prepare, they will roll out on October 1, 2015. You may have heard these changes referred to as TILA-RESPA Integrated Disclosures (TRID) changes.

Standardized and simpler forms will make it much easier for buyers to understand the terms of their mortgages and then make a more informed decision. Additionally, it will be far easier to compare loan offers, which used to be one of the most difficult parts of mortgage shopping. Find out what these new changes are and how they will help you the next time you apply for a mortgage. Continue reading “New Mortgage Forms Make Shopping for a Mortgage Easier”

Why Finding a Rental is Awful Right Now

Have you tried to move into a new rental recently? If so, you may have had a harder time finding what you want than you’ve had in the past. That’s because the U.S. rental market is booming (and also changing).

Rental vacancies are few and far between. If you are able to find something that fits your needs, the rent is likely sky high and will probably rise even more in the coming months. Here are some reasons why. Continue reading “Why Finding a Rental is Awful Right Now”

Making the Most of Small Spaces

If you’ve ever rented before, you know that you often have to give up a few of the things you really want in a rental apartment or home. One of the things renters have to give up is space. And it can be incredibly frustrating to feel like you don’t have enough space to really enjoy the place you live.

There are some easy ways to better store your stuff and give you more space. If you understand how you really use the space you have, you can make better decisions about how to organize a room. Easy things like placing your furniture well and buying things that are the right scale will also help immensely. If you’re smart about how you use your small space, you can make it feel bigger than it actually is. Continue reading “Making the Most of Small Spaces”