Your Trusted Guide for Mortgages & Real Estate
Home insurance in California is a policy that nearly all homeowners need to protect them from financial losses in the event their property becomes damaged.
I reluctantly have to admit that Zillow really does have impressive algorithms, that sometimes yield surprisingly accurate results. BUT, Zillow also often badly misleads homeowners, creating huge...
Mortgage applications are designed to be borrower-friendly and standardized across the mortgage industry. The mortgage application used in all U.S. states and territories for the past 20 years is the...
Uber-marketer Seth Godin recently blogged about not confusing “price” with “value.” Price and value are not the same of course, as consumers often get much less value with the lowest...
Many borrowers are confused when it comes to prepaid items and escrow accounts and what role they play when it comes time to figuring out closing costs. Here is a breakdown of all the information...
A few weeks ago, I blogged about why rates don’t always increase when the Fed announces a rate increase (as they likely will today). The blog can be found here, […]
VA loans are the best bargain in mortgage financing for qualified veterans and their spouses. They have flexible underwriting and down payment guidelines.
House values are continuing to increase across the state of California, and homeowners are now finding themselves with more equity in their homes. Many homeowners utilize a cash-out refinance to...
What do Jay-Z, Beyoncé, and billionaire hedge fund managers have in common besides enormous amounts of money? Answer: Enormous Mortgages Jay-Z and Beyoncé just bought a house for $88 million...
This is another reminder to agents with clients looking for investment properties. Investment (non-owner-occupied) condos must be in a complex with an owner-occupancy ratio above 50%. Owner-occupied...
In 1998, an acquaintance of mine took a job with a small Loan Origination Software company and called me to rave about everything they would soon have to offer. They […]
One of the reasons loan officers and borrowers were able to get away with so much fraud prior to the mortgage meltdown was the lack of public records and information […]
I read on Friday that there are 1,400 vendors vying for business in the residential mortgage industry! All of those vendors promise to reduce work, reduce costs, improve the client […]
Most lenders allow borrowers to re-cast or re-amortize their mortgages when they pay down the principal balance. For example, Bob might have a $600,000 mortgage at 3.5% with payments of […]
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