Cadê Moradia California
The topics of each episode, written for you to read at your own pace.
Buying & Financing
Property, credit, down payment and income: the bank looks at four things, and three of them are still under your control during the process. The most expensive mistake is touching your credit between the approval and the handover of the keys.
Buying & Financing
There are three families of loans, and eligibility doesn't hinge on money alone: it hinges on documents, on military service and on what the property is for. Plus the case of people who only have an ITIN.
Buying & Financing
Whoever puts down less than 20% pays for insurance that protects the bank, not the buyer. The good news is that it has an expiration date — and there's a federal law spelling out when you can ask to remove it and when the bank is required to remove it on its own.
Episode 15 · Part 1 of 8
No green card, no Social Security number and no U.S. address: the loan exists, it has a name (foreign national loan) and it charges dearly for the missing credit history. What the bank asks for, how much you need down, how income earned in Brazil is documented and why the money has to land months in advance.
Episode 15 · Part 3 of 8
Every bank has a different product, a different risk appetite and a different ideal client. Whoever works with a single bank gets one answer; whoever works with a broker gets several attempts — and one case from the episode shows that sometimes what's missing isn't money, it's someone willing to push.
Episode 15 · Part 4 of 8
Property, credit, down payment and income: the bank looks at four things, and three of them are still under your control during the process. The most expensive mistake is touching your credit between the approval and the handover of the keys.
Episode 15 · Part 2 of 8
The topic comes up briefly on the episode and deserves the full context: the EB-5 is an investor visa that requires investing in a job-creating business. A home of your own, on its own, doesn't count — and neither does the property's appreciation.
Episode 16 · Part 3 of 7
While several neighboring cities restricted short-term rentals, Hawthorne keeps the practice allowed with a permit, fees and rules. Understand the difference between banned, allowed and allowed-with-permit — and why buying while counting on that income before confirming is the most expensive mistake in the region.
Episode 15 · Part 7 of 8
The market's argument is well known: you can refinance a rate, you can't bring a price back down. It has its logic — and it has limits that rarely show up in the same sentence. Both sides of the math, with numbers.
Episode 16 · Part 2 of 7
The most repeated explanation — cheap money during the pandemic — is real, but incomplete. There is a second effect still holding houses off the market today, and a third, structural one that goes back much further. Understand all three and what they change for anyone house hunting now.
Episode 16 · Part 4 of 7
Hawthorne doesn't have a single school district. The western portion — Hollyglen, Del Aire and Wiseburn — is served by a different district, and that separates two similar houses a few blocks apart. Understand why part of what you pay extra for the house is the school, and how to check before making an offer.
Episode 16 · Part 1 of 7
Wedged between Inglewood, Manhattan Beach and the airport, Hawthorne offers a South Bay location at a different price level. But it isn't one single city: the school district changes within the city itself, and that is what separates two similar houses just a few blocks apart.
