GreenHouse Notes
Everything else from the archive — announcements, community work, and general field notes.
Do Not Refinance Right Now
“Do Not Refinance Right Now”. Have you, or anyone you know for that matter, ever heard these words uttered by a Mortgage Professional. My guess is that the typical Loan Officer or Bank…
Stated Income Loans are Officially Back
Well if anyone needed a sign that mortgage lending parameters have loosened, they now have it. Folks, stated income loans are officially back! These loans are still limited in who offers them and…
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Essential Power Productivity Tool #3: Big Opportunity Time Concentration, attention, focus, in the zone, flow, optimal state — they all mean pretty much the same thing: single-minded- ness. And in…
Why Work with a Broker?
When it comes to borrowing money to buy or refinance a property, there are many options. There are Retailers, Branches, “Direct Lenders” and Brokers. One really good question is “Why Work with a…
Make Your Own Luck – Attend Our Next Home Buyer Class
Have you ever noticed the luckiest people in this world are also the ones that work the hardest? There are certainly people who are born into very fortunate circumstances and those at the other…
The A stands for Assumable, FHA & VA Loans
Imagine this: You are in the market for a new home, but as it stands now, your plans for this home don’t seem to stretch beyond five years. You’re considering another kid, a possible job transfer…
Why You Should Care About What Interest Rates are Doing Right Now
Why should you care about what interest rates are doing right now? Well, in January of 2014, the Federal Reserve announced it’s decision to begin backing off on its $85 billion per month bond…
A DIY Project to Restore Antique Furniture
Hi Everyone, Here are pictures of a project I worked on during the weekend. My Mother in Law didn’t know what to do with furniture she inherited from her mother, so I took it off her hands and…
A New Resource for Disputing a Credit Report Error
The Consumer Financial Protection Bureau is the new Boss in town, when it comes to lending. It is responsible for many of the changes we’ve seen in the lending environment of late. Many would say…
San Diego Beach Cities Homes for sale in Zip Code Area 91932
The City San Diego Homes
The City San Diego Homes for Sale
Chula Vista Homes for Sale
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La Jolla Bird Rock Homes for Sale
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Stimulus Package in Senate? = PASSED!
The U.S. Senate passed the American Recovery and Reinvestment Act of 2009 by a 60 to 38 vote. Late last week, the stimulus package passed the U.S. House of Representatives in a 246 to 183 vote…
Talk About the Good News – Record High Affordability
What you think about you talk about, what you talk about you bring about – think and talk about this…. Record-High Affordability The National Association of Realtors report the Housing…
Why Are Rates Going Up?
I was having a conversation with some colleagues about the recent jump in rates this week. Generally speaking rates rose across the board by almost 0.5%! Here’s a great way to understand why this…
Rate Switch – The 5yr Fixed Is More Attractive Again?
For those of you who like stats – check this out. This morning we have already seen Durable Goods fall for a sixth consecutive month to a six-year low in January, and dropped 5.2%. This is their…
Employment Trends Index (ETI)™ increases for first time in 16 Months
Now, we ordinarily dont get too preoccupied with all the numbers talk becuase they exist in a very “external locus of contol”. Meaning, as Ray Charles would have said it, “It gonna do what it do…
US Most Frugal Cities? Where Does San Diego Rank?
Budget help from Mint.com
Is It OK To Ditch Your Car?
Our friends at the Mint.com blog pose this interesting take on our apparent necessity (or is it?): I’ll spare you the environmental lecture—Just imagine your life with out a car payment. Sounds…
Is the Recession Over? EJ’s Perspective
People are always asking me “Where do you see the Market going now?” My stock answer is that I don’t dare try and predict the market. But we can take cues from our surroundings to make reasonable…
Housing Prices Rise again but Interest Rates fall Lower
When looking at the right time to buy there are many factors to consider. Two diverging components are home prices & interest rates. Over the last year we’ve seem both of these components fall in…
Friday Funnies: How To Buy A Bank Owned Home
For this first installment of a weekly take on the lighter side of Real Estate which I’d suggest we call: Friday’s Funnies, its “How To Buy A Bank Owned Home”. If you or someone you know is out on…
Friday Funnies: San Diego – Home Buyers Tax Credit Extending?
With the current Home Buyers Tax Credit Expiring on November 30th, San Diego home buyers learned of a twist of good fortune yesterday. Surrounded by a host of recent positive financial news, as…
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