Mortgage Planning
A plan, not a pitch. Mortgage planning content for buyers, homeowners, and refinancers.
Why Right Now Is Your Best Opportunity To Eliminate PMI
Paying PMI (Private Mortgage Insurance) is kind of like watching the Super Bowl end in a tie. Yeah, you got to hang with you friends on a Sunday, gorge yourself on all your favorite food for 6…
Unknown Credit Issues
Unknown Credit issues. More often than not we see items on people’s credit that they did not know where there. And as I’m sure you guessed it, any surprise on a credit report is an unwelcome one…
What Documents You Need For Financing, And What To Look Out For
Recently someone had asked me what documents you need for financing other than taxes and paystubs? This might seem like an obvious question, but if you haven’t been in the market for a refi or a…
FHA Rates Are About To Drop 0.5%?!
Amazing news about FHA loans. FHA rates are about to drop 0.5% at the end of this month. But it might not be in the way you’re thinking… What we’ere talking about is a drop in the associated FHA…
You Inherited A Home, But Can You Keep It?
So you inherited a home, but can you keep it? You’ve never owned a home before and you’re not quite sure what happens next? You got the home, but what about the mortgage that’s tied to it? It’s a…
Fret Not Foreign Nationals We Have a Loan For You!
Fret Not Foreign Nationals We Have a Loan For You! I have a couple of friends who are from Spain and living here on long term Visas. We were having a conversation the other day about rent vs own…
On The Mortgage Vs On The Title, What You Need To Know
A friend of mine recently got married. Her husband had owned the house they live in before they got married, and now she wants to know if they have to refinance in order to own the home together…
Why New FHA Loan Limits are Bad For Some
FHA announced that it too will be increasing it’s loan limits in some counties. (Click here to request a list of the increased county loan limits, or to see if they effect you.) While that might…
Increasing County Loan Limits, And Why You Care
2015 New County Loan limits have been announced and guess which county was one of the lucky 46 county’s that had their loan limit increased? I’ll give you a hint, if you’re reading this blog post…
Jeremy Goes on the Radio
This week, instead of my typical post, I’ve done a bit of a commercial. As you may know, my partner over here at the GHG, Jesse, has a radio show called the Secret Stash. It’s on Tuesdays 12-1 on…
You Gotta Pay to Play
It’s the first week of November and the first-half property taxes are now due here in San Diego. If you don’t already know the property tax year runs from July 1 to June 30. The first half is due…
How Many Times Can You Refinance?
How Many Times Can You Refinance? Well the truth is, as many times as you want. If you want to refinance every time the interest rates drop, for the most part, you can. I dove a little deeper into…
Reverse Mortgages – I changed my mind
If you asked me a year a two ago, I would have told you that you’re crazy to look into a Reverse Mortgage. We have a number of different loan options that are great alternatives to these products…
Free Money
What? Free Money? Yes, if you own a 2-4 unit property and occupy one of the units as your primary residence and need additional income to help offset the total monthly housing expense we are able…
2 Pitfalls for Condo Buyers
You may not know it, but buying a condo for your home or as an investor comes with some extra challenges. This week I’d like to discuss how to avoid 2 Pitfalls for Condo Buyers. The 2 most common…
It’s The Little Things
It’s been a hot summer here in San Diego. In fact, the hottest in 118 years. I don’t expect any other part of the country to feel sorry for us because last winter was phenomenal here when the rest…
10 Questions In 10 Weeks
Over the next ten weeks I will be taking questions on Real Estate and the loan process and answering them every Tuesday morning. These can be questions on any topics varying from when a good time…
Wall Street Journal Gets News Ideas from The GreenHouse Group’s Blog post?
Did The Wall Street Journal Gets News Ideas from The GreenHouse Group’s Blog post? On August 14th the WSJ published an article discussing the use of VA Loans in stead of Jumbo loans. Click here to…
Self Employed? Oh, Do We Have a Loan For You.
Self Employed? Oh, do we have a loan for you. If your one of the many prospective home buyers out there who is self-employed, this post is for you. Recently, we have seen the implementation of…
No MI?! LPMI don’t know what you’re talking about…
For most of you LPMI or BPMI is just one more cluster of capital letters in a sea of acronyms. However, if you are looking into a refinance or purchase, odds are you’ve asked about it. Mortgage…
Jumbo Financing and 1 Trick You Should Know
With prices in San Diego continuing to rise, Jumbo Loans are becoming more and more prominent. Today I’d like to share some inside info on Jumbo Financing and 1 trick you should know. We live in a…
How to use a VA Loan instead of a Jumbo Loan
How to use a VA Loan instead of a Jumbo Loan: As home prices continue to rise, I’m seeing a lot of my clients find challenges in their loan amounts. That is, in San Diego county the Conforming…
Are All The Refinances Done?
Like all broadcasting economic reporting is done at the macro level. This is because those doing the reporting want to capture as many listeners and readers as possible. Most of the time most of…
2014 – Halfway There
Today means we are officially halfway there and close the first half of 2014. So what have we learned so far about the housing market this year? Well, just like Carmen’s next child it has been a…
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