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San Francisco Home Sale Data

Click on a neighborhood to view quarterly home sale data.

Loan Originators vs Loan Brokers

There is one key difference between loan originators and loan brokers (distributors). Originators lend their own money while brokers are the middlemen who put borrower and lender together.

Interest Only Loans

Interest-only loans are loans where the borrower pays only the interest on the principal balance for a set term –typically five to ten years- at the beginning of the loan term.

Fixed Rate Loans

Fixed rate loans are fully amortized loans characterized by a fixed interest rate and consistent monthly payment over the life of the loan.

Debt to Income Ratio (DTI)

A person’s debt to income ratio is the percentage of their monthly gross income that goes towards paying debts. It is an assessment of their income strength.

Credit Worthiness

Credit Worthiness refers to a lenders appraisal of a borrower’s financial stability.