Category Archives: Banking and Finance

Put More Down Or Pay Off Debt Before Jumping Into Buying A Home?

Lining up your finances for a home purchase this year? Spring is right around the corner. Here’s how to gauge if you should put more money down, or pay off debt to improve your figures. Key questions to ask yourself: How much house payment can I manage while still being able to save money? How […]

Here’s The Top Mortgage Fees To Know When Appyling For Credit

Let’s cut to the chase obtaining a mortgage to buy a home or refinance one you already own is not cheap. There’s no two ways about it. Encumbering property is going to cost some bucks. Knowing the fees lenders charge including both upfront and later on in the transaction can help ensure you’re getting a […]

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Today’s Mortgage Lending Environment Still Has Some Aspects That Do Not Make Sense

Banks want you to believe getting a these days is easier and that may be case if, you’re financial house is in order. Here is what you need to know about how to plan for the nuances, that may illogically arise… The reality is that if you’re going to be getting a mortgage in today’s […]

The Largest Mortgage You Can Get Is….

Buying or refinancing a home in a high cost market?  With so many attractive interest rates advertised and loan programs available in the lending environment today deciphering what interest rate and program is needed to successfully pull off your transaction can be something else entirely. Need a big mortgage loan? Read on… $417k Conventional Conforming […]

Here’s A Practical Lending Approach To Avoid Jumping Through Hoops

Ever here one of those stories in the break room how getting a mortgage is difficult? “I had to jump through so many hoops to get my mortgage, it was ridiculous. They keep asking me for financial information, I swear I already provided them.”  Reality check-obtaining a mortgage is no easy feat these days no […]

The Sebastopol Broker’s meeting and tour 9/17/2014

There were 51 present on this lovely fall day. 22 new escrows were opened, 9 were closed, 7 price reductions ( 4 significant), 13 upcoming listings mentioned and 17 “Buyer’s needs” brought up. Inventory is picking up countywide with most of the increase in the lowest price tiers and located in Santa Rosa, Rohnert Park […]