The Importance of Homeowners Insurance

by | Aug 21, 2017 | Mortgage

I would like to discuss homeowners insurance and how it can impact future buyers. Usually insurance is last on the list to be finalized.  Well….It’s not quite as easy to obtain as it used to be.  With California having its annual fire season, accompanied with copious...

Remote E-Closing

by | Aug 14, 2017 | Mortgage

The future is here with Remote E-Closing.  The days of being bombarded with reams of paper at the closing table are over. Previous e-closings required either some in-person contact or a notary to e-sign closing documents via a shared tablet. Borrowers will FaceTime...

Coming Soon- Appraisal Waivers

by | Aug 7, 2017 | Mortgage

New market update. Changes are coming. Freddie Mac will be implementing appraisal waivers for purchases.  This already exists for refinances.  This will be great way for borrowers to save time and money for the transaction.  And how nice would it be to not grovel with...

3 Ways and 1 Big Reason to Refinance a HELOC

by | Jul 27, 2017 | Mortgage

3 Ways and 1 Big Reason to Refinance a HELOC If you or anyone you know had a Home Equity Line Of Credit or HELOC in the last 10 years then change is imminent.  Most borrowers are unaware of how much their payments will go up.  In some cases, payments have gone up as...

New Help for Challenged Borrowers

by | Jul 20, 2017 | Mortgage

I’m constantly on the lookout for new lending trends to better serve my clients. Recently available are two new loan programs designed to help more buyers, including those who have been turned down by other lenders. If you or someone you know is recovering from...

Mortgage Guidelines Are loosening

by | Mar 23, 2017 | Mortgage

In the fourth quarter of 2016 we witnessed a great number of mortgage lenders loosen their approval standards.  We also saw a spike in interest rates, but if history is an indicator of where interest rates are going for the remainder of 2017, rates should flatten or...

First Time Homebuyer Guide

by | Dec 16, 2016 | Featured

Delving into the real estate market for the first time can be a very intimidating thing with all of the mortgage and housing options available. Whether it’s market conditions or the amount you should be spending, there are a number of factors you’ll need to be aware...