by niki | Aug 20, 2026 | Life Events
Your Home Can Now Help You Qualify: How ADUs, Rental Units, and Roommate Income Are Changing the Loan Game For years, homeowners and buyers heard the same frustrating answer from lenders: “Yes, that ADU is a great feature — but no, we can’t count the rent...
by niki | Apr 20, 2026 | Life Events
WHERE TO PUT YOUR RENOVATION DOLLARS IN 2026 — AND WHAT ACTUALLY COMES BACK TO YOU A no-nonsense guide for Orange County and Los Angeles homeowners who want to make smart, strategic decisions about their biggest asset. By Niki MacDuff | MacDuff Homes Realty Real...
by niki | Apr 20, 2026 | Life Events
🏡 Your Home Is Smarter Than You Think How Orange County & LA Homeowners Are Turning Bricks & Equity Into Income, Security & Top Dollar at Resale By Niki MacDuff | MacDuff Homes Realty Real Estate Broker • Mortgage Lender • Licensed Contractor Team DRE...
by niki | Oct 16, 2025 | Life Events
The Real Reason Your Mortgage Rate Isn’t Falling The Simple Truth About How Mortgage Rates Actually Work By Niki MacDuff, Mortgage Lender & Real Estate Broker The Federal Reserve has cut rates three times this year. Inflation has cooled from nine percent to...
by niki | Sep 3, 2025 | Life Events
From Loss to Lakefront Living: How Faith and Strategic Planning Helped a Dialysis Technician Build Real Estate Wealth When Life Hurts, God Heals: Maria’s Journey from Devastating Theft to Multi-Property Investment Through Faith, Hard Work, and Strategic Tax...
by niki | Aug 27, 2025 | Life Events
Who Pays for an FHA Streamline Refinance? The borrower pays the closing costs, but there are several ways to minimize or eliminate out-of-pocket expenses: Typical Costs: Closing costs typically run 3-5% of your loan amount (so $3,000-$7,500 on a $150,000 loan) The...
