Mortgage Planning
A plan, not a pitch. Mortgage planning content for buyers, homeowners, and refinancers.
Taxes – What You Need To Know Before You File
Taxes – What You Need To Know Before You File Looking to buy a home, or looking to Refinance the one you got? Lenders have a different way at looking at expenses on your taxes, and I’ll tell you…
2016 Changes in Lending
2016 Changes in Lending Well here we are at the beginning of another wonderful year, and this year just like last year, we are seeing the county loan limits go up for San Diego county. The High…
Rocket Mortgages Crash Land
Did you see the commercials? They were in heavy rotation during the divisional round games of the NFL playoffs and again during the conference championship games yesterday. The Rocket Mortgage…
Mortgage Insurance Tax Deductibility is back!
On December 18, 2015, the President signed legislation that renews the tax deductibility of mortgage insurance (MI) premiums for qualified borrowers through 2016. The deductibility is effective…
Fed Rate Hike Could Be Good For Long Term Interest Rates
In two days the central banking system of the United States known simply by most people as the Fed will meet to discuss monetary policy. Most are predicting an increase of .25 to the federal funds…
Some Counties Will Get Increased Loan Limits for 2016 – But Which Ones?
Each year the big lending institutions that regulate “Conforming Loan Limits” determine if the current guidelines are appropriate. This is measured from county to county and typically reflects the…
Google Could Be Your Next Mortgage Broker
By Kathryn Vasel of CNN Money money.cnn.com The tech giant launched Google Compare for mortgages on Monday that will allow potential home buyers to find and compare home loans. When looking to buy…
Get In The Investing Market With Less $$$ Down!
Get In The Investing Market With Less $$$ Down! Are you looking to break into the investor side of the Real Estate Market, but don’t have a ton of cash to put down on the property? Fear not, we…
New Changes With FHA That Might Change Your Pre-Approval!
New Changes With FHA That Might Change Your Pre-Approval! FHA has recently issued a number of changes on their existing guidelines. This means they’re going to look at things like income a little…
Why TRID Is Going To Extend Your Escrow!
Why TRID Is Going To Extend Your Escrow! That’s right. TRID is coming and it’s going to extend your Escrow process. Now most of you are probably thinking, “I don’t know what this TRID nonsense is…
When to Lock Your Interest Rate
When to Lock Your Interest Rate
Major Derogatory Credit Waiting Periods: You Might Be Closer Than You Think…
Major Derogatory Credit Waiting Periods: You Might Be Closer Than You Think… If you’ve recently been through a major derogatory credit event, and by that I mean; Bankruptcy, Foreclosure or Short…
A Must Know If You’re a W2 Employee
A Must Know If You’re a W2 Employee 2106 Expenses. You may not know them by this name, but you might have them if you’re a W2 employee. And if you’re a W2 employee with 2106 expenses, they may be…
The One Thing You Must Know Before Getting An Equity Line
With home values now back at pre-crash levels, foreclosures at lower than pre-crash levels, and the safest lending environment we’ve ever seen lenders are bringing back some of the old loan…
Down Payment Assistance and Cash On Hand
Down Payment Assistance & Cash On Hand Looking into down payment assistance programs and wondering how much you actually need to buy a home? These days there are plenty of down payment assistance…
VA Loans – What Most Realtors Don’t Know
VA Loans – What Most Realtors Don’t Know are the tricks we get to use with VA loans. The loan environment is constantly changing. Because of that, sometimes Lenders don’t know the newest Real…
Lending Guidelines Are Changing, What That Could Mean For You
Lending Guidelines Are Changing, What That Could Mean For You Lending guidelines are constantly changing, and as of recently, most changes we have seen have been to the benefit of the borrower…
Two Home Loans You Must Consider
Did you know only 9% of home owners stay in their home or keep their loan for ten or more years? Did you also know 94% of home-loan applications are for 30-year fixed mortgages? With 30-year fixed…
The One Thing You Must Do Before You Buy Or Refinance
Before you close escrow there is one thing you must do before you buy or refinance. That one thing is to find out if your home is located in an identified census tract. This is done through The…
Major Misunderstandings about VA Loans
I find that a lot of what I do in my initial consultation with a new client is correct things that they’ve “heard from a friend” or read online. Sometimes this is more of an issue of the changing…
Reverse Mortgages – How they Changed This Week!
Reverse Mortgages – How they Changed This Week! Hey There Greenies! So if you’re reading this post you are probably in the market for a reverse mortgage. Well, some things happened with Reverse…
Renovation Loan Programs
How to turn that Fixer Home into a GEM! Whether you are purchasing a home or refinancing, if you would like to finance to cost of home renovations into your loan, there are many programs to choose…
No Appraisal On A Refi?! No Problem
No Appraisal On A Refi?! No Problem There are a couple great loan programs out there that allow you to pursue a refinance without some of the traditional caveats that normally accompany a home…
Asset Rich and Income Poor? You May Still Have Loan Options
Asset rich and income poor? Well, don’t write off qualifying for a loan just yet, because you may still have some loan options. There are a couple programs out there that now cater to those who…
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