Your Trusted Guide for Mortgages & Real Estate
When homebuyers in California are considering taking out a mortgage or refinancing their house, they can feel overwhelmed by the seemingly complicated loan process. The mortgage process can be easy...
RAPID RE-SCORES We often do a “rapid re-score” to repair a borrower’s credit for a variety of reasons: (1) to raise a borrower’s score above a minimum requirement, such as […]
We constantly remind everyone that there is no “one interest rate,” because so many factors affect individual rates. I linked to those factors here and set them out again below. […]
Many first-time homebuyers in California may be unfamiliar with the various mortgages available. First-time homebuyers in California have many mortgage financing options available to them. There...
We have an excellent pool of hand-picked appraisers that I tout often as a competitive edge. I tout them often b/c we used to get burned all the time when […]
The Mortgage Bankers Association surveys multiple mortgage banks every week and then releases all of the data. The most recent survey, discussed in this National Mortgage News article, is...
VA loans are a great loan product for eligible veterans and active-duty members, mainly because of the zero down payment option. VA loans also have less stringent lending requirements compared to...
Borrowers often ask for “Interest Only” (IO) loans because they want lower mortgage payments, and we discourage them for a variety of reasons. I am discussing the pros and cons […]
"What is a good credit score to buy a house?" "Is 715 a good credit score? Credit scores are often at the top of every prospective homebuyer’s mind when they begin their house hunt. Mortgage...
We recently had an “as is” purchase almost blow up again b/c condition issues were disclosed in the MLS. This is another reminder to make sure the MLS references no […]
When homeowners purchase a new home, they instantly start to accumulate equity in their new home. For some homeowners, taking cash out from their home equity can be a great way to pay off credit card...
After the COVID-19 crisis was in full force, I wrote several blogs in March and April pointing out why I thought housing prices would not crash as a result of […]
This blog’s subject line is borrowed directly from this WSJ article. Fed Chairman Powell stated in early June that there are no rate increases in sight and that the Fed […]
This is a topic I touch on or repeat at least once per year b/c borrowers continue to ask us if they “should buy down their rate,” and our answer […]
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