Your Trusted Guide for Mortgages & Real Estate
Many buyers who are planning to purchase a home in California often ask us "How does the mortgage process work?". A major part of how the mortgage process is what is known as “the closing...
A mortgage lender will help educate you about home loan estimates and ensure you are receiving the info and costs needed for your unique situation. In this blog, we’ll give an overview of the...
A mortgage lender will help educate you about home loan estimates and ensure you are receiving the info and costs needed for your unique situation. In this blog, we’ll give an overview of the...
Most Americans have never heard of PennyMac, United Wholesale Mortgage, loanDepot, and Freedom Mortgage. These are just a few of the huge “non-bank” mortgage lenders that funded almost 60% of...
RULES FOR QUALIFYING POST-FORBEARANCE With millions of future borrowers in either mortgage or rental forbearance, many people are wondering how forbearances will impact a borrower’s ability to...
There are numerous signs that the purchase market is coming back to life. Anecdotally, the number of pre-approval requests in our office are up over 50% from our March and […]
Two of the nation’s largest banks announced that they will no longer originate new Home Equity Lines of Credit (HELOCs). This is of course in response to the COVID-19 crisis. […]
Self-employed borrowers can still qualify for mortgage financing, and in some ways they actually have advantages. THE GOOD Self-employed borrowers qualify with previous years’ tax returns, which...
One of the most interesting aspects of the COVID-19 crisis is its effect on interest rates. In “normal” times, mortgage rates correlate closely with the 10 Year Treasury Bond. In […]
Donut Shops Are Like Mortgage Banks Years ago, I helped a couple that owned a donut shop refinance – and I was shocked by how thin their margins were; they […]
JUMBO FINANCING STILL AVAILABLE Agents continue to ask us if we are still offering jumbo financing – and the answer is emphatically yes! Rates remain in the mid-3% range for […]
We love it when readers share our content – so please feel free to continue doing so. We only ask for a credit and a “linkback” to our website whenever […]
Interest rates have come back down but they are still about 1/4% to 3/8% higher than where they were when they bottomed out on March 9th. This is because the […]
Many people are wondering how soon laid off and furloughed borrowers will qualify for mortgage financing once they return to work. EMPLOYMENT GAP UNDER SIX MONTHS If the layoff or […]
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