Self Education

Latest Articles

What Is A Prepayment Penalty?

A prepayment penalty on a mortgage loan is a fee that can be charged by a lender when your mortgage is paid off in full or in part early.

February 25, 2023 7 min read

Will Artificial Intelligence (AI) Take Over Mortgage Lending? So We Can Push A Button & Get A Loan?

Knock knock. Who’s there? Real Estate. Real Estate who? Real Estate the perfect home for you Yeah, I didn’t get it either… BUT – that was the result when I […]

January 19, 2023 5 min read

How To Buy A Condo In California

If you’re thinking about buying a condo in California, there are a few things you’ll need to know. This blog post will cover the basics of purchasing a condo in the Golden State, from financing...

December 28, 2022 6 min read
How To Buy A Condo In California

When Do Mortgage Pre-Approval Letters Expire?

There is a lot of work behind the scenes for a mortgage pre-approval when you are buying a home. While you, as a borrower, are just submitting an application and some financial documentation, loan...

December 24, 2022 5 min read

Discounts Ain’t Discounts; Confusopolies & Tricks Lenders Play

When I was in law school, I lived near a furniture store that continually ran a “going out of business sale” for three years straight – because it clearly worked. […]

October 27, 2022 3 min read
Discounts Ain’t Discounts; Confusopolies & Tricks Lenders Play

Fed Chair Bernanke Wins Nobel Prize for Agreeing With Nobel Prize Committee

Dr. Prescribes Steroid And Heroin For My Son! In 2003, my son was not performing well at all – socially, academically, or athletically – so I took him to the […]

October 12, 2022 4 min read
Fed Chair Bernanke Wins Nobel Prize for Agreeing With Nobel Prize Committee

More Home Equity Line Info

Last week I wrote a blog asking If Home Equity Lines Were Still A Thing? I asked because Home Equity Line of Credit (HELOC) rates are so much higher, and […]

October 10, 2022 3 min read
More Home Equity Line Info

Credit Bureaus Sell Your Info, But You Can Stop Them (& Avoid Getting Pummeled)

Scariest Thing That Ever Happened To Me! We occasionally apply for mortgages with online lenders to see what their process is like, and holy smokes, is it terrifying! I applied […]

October 7, 2022 2 min read
Credit Bureaus Sell Your Info, But You Can Stop Them (& Avoid Getting Pummeled)

Jumbo Loan vs Second Mortgage

There are a few differences between a jumbo loan and a second mortgage. Understanding these loans can help you decide which is right for you.

October 5, 2022 6 min read

How Does A Rent Back Work; Owner Occupancy Rules

In the fast-moving world of real estate, oftentimes, homebuyers find that the timing doesn’t always align with moving schedules. Oftentimes the sellers may still be trying to find their dream home...

October 4, 2022 4 min read
How Does A Rent Back Work; Owner Occupancy Rules

I Witnessed A Death…

And have to talk about it. And OK – it was the death of a very successful local business, and my subject line is too “click-baity” I realize, but this […]

September 8, 2022 4 min read
I Witnessed A Death...

Why’s Inflation Higher in U.S.? Scary LinkedIn Indicator! I Missed Something HUGE!

Today’s blog is a “random show” – hitting a few (really interesting) topics briefly. Something Huge I Missed: Rising Incomes! In my blog yesterday about putting rising housing payments in...

September 2, 2022 3 min read
Why's Inflation Higher in U.S. Scary LinkedIn Indicator! I Missed Something HUGE!

5 Reasons To Get a Home Equity Line Of Credit ASAP

When I was in law school, I clerked for a firm that specialized in commercial litigation. And – the first thing the attorneys did when considering litigation was to ensure […]

June 2, 2022 3 min read
5 Reasons To Get a Home Equity Line Of Credit ASAP

Supply Chains Untangling; Inflation Waning? Who Was Right?

For much of 2021 we were shown photos of container ship parking lots drifting far out to sea – with dire warnings of inventory crises and mass shortages. But today, Leonard Steinberg shared this in...

May 26, 2022 4 min read
Supply Chains Untangling; Inflation Waning Who Was Right
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