Recent Articles

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March 2025 Housing Market Update: 5 Key Takeaways for Homebuyers and Sellers

March 2025 housing data shows rising inventory, slowing price growth, and a shift in buyer behavior. Learn what this means for buyers and sellers heading into spring.

Published on 04/30/2025

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A Complete Guide to Mobile Home Financing in Los Angeles

Explore mobile home financing options in Los Angeles and learn how to secure the right loan for your dream home with Smart Money Mortgage.

Published on 04/25/2025

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Why the Housing Market Isn't Crashing in 2025

Discover why the housing market isn’t crashing in 2025—and why now might still be a smart time to buy. Learn about market stability, lending trends, and how equity protects today’s homeowners.

Published on 04/23/2025

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How Much Down Payment for a Mobile Home in California? How To Calculate It

How much down payment for a mobile home in California? Find out what you need to get started.

Published on 04/19/2025

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How Are Property Taxes Calculated? Here’s What Homebuyers Should Know

Learn how property taxes are calculated, what factors impact them (like land value and zoning potential), and how to budget smart as a homebuyer in 2025.

Published on 04/16/2025

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Southern Housing Markets Offer New Opportunities for Homebuyers

Explore how southern U.S. cities like Miami and Memphis are becoming more accessible to homebuyers due to increased inventories and price reductions.?

Published on 04/09/2025

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How California Buyers Can Use USDA Loans for Manufactured Homes in Parks—Even Without Owning the Land

Explore USDA loans for manufactured homes in California parks—even without owning the land. Affordable options now available.

Published on 04/04/2025

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Townhomes: A Smart Solution for Today's First-Time Homebuyers

Discover why townhomes are becoming a popular choice for first-time homebuyers, offering affordability, low maintenance, and community amenities in today's housing market.

Published on 04/02/2025

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No Money Down Mobile Home Loan in California? New USDA Rule Makes It Possible

USDA now finances the construction and permanent mortgage of a new manufactured home in one package—with no money down is some cases.

Published on 03/29/2025

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USDA Expands Manufactured Home Financing: What California Buyers Need to Know in 2025

Effective March 4, 2025, the USDA’s final rule expands its Single Family Housing Direct and Guaranteed Loan Programs.

Published on 03/28/2025

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Why Waiting to Buy a Home Could Cost You

Waiting to buy a home in today’s market could cost you more in the long run. Learn why acting now—despite mortgage rates—might be the smartest move for future homeowners.

Published on 03/26/2025

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Falling Mortgage Rates Could Revitalize the Housing Market – What It Means for Buyers & Sellers

Mortgage rates have dropped to their lowest levels since December, making homeownership more affordable. Learn what this means for buyers and sellers in today’s market.

Published on 03/19/2025

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How to Get the Best Interest Rate on a Mobile Home Loan in California

Securing the lowest possible interest rate on a mobile home loan can save you thousands of dollars

Published on 03/15/2025

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Understanding Your Monthly Payment for a Mobile Home in California

When purchasing a mobile home, understanding your monthly payment is essential for financial planning.

Published on 03/15/2025

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Selling Your Home? What You Need to Know About Capital Gains Taxes

Learn how capital gains taxes work when selling your home and how to reduce what you owe. Consult a tax professional for personalized advice.

Published on 03/12/2025

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Why Now Is the Time to Apply for a Mortgage

Mortgage demand is surging as rates drop. Don’t wait—now’s the time to apply and lock in your opportunity before competition heats up.

Published on 03/05/2025

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Mobile Home Loan Financing in California: Down Payments, Loan Terms, and Approval Process Explained

If you're considering mobile home loan financing in California, understanding down payments, loan terms, and the approval process is crucial.

Published on 03/01/2025

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Mortgage Rates Hit 4-Month Lows: What This Means for You

Mortgage rates have dropped to a 4-month low, creating new opportunities for homebuyers and homeowners looking to refinance. Learn how to take advantage of lower rates today.

Published on 02/26/2025

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How to Qualify for a Mobile Home Loan in California: Credit, Income, and More

This guide breaks down the key qualifications to qualify for a mobile home loan in California.

Published on 02/22/2025

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Buying vs. Renting in 2025: Why Homeownership Still Wins

In 2025, buying a home is more affordable than renting in most U.S. markets. Learn why homeownership remains the smarter long-term investment.

Published on 02/19/2025