Category Archives: Mortgage Blog

Big Day in The Treasury Market today. So Why Didn’t Rates Get Much Better?

Click on the Photo for Enlarged Version. Much easier to read!

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Posted by on June 2, 2012 in Mortgage Blog


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A Recovery in the Housing Market in Sacramento, on Whose Planet?

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Posted by on May 1, 2012 in Mortgage Blog


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Boost Your Credit Score For Better Mortgage Rates

Are you in the process of buying a home or refinancing your current mortgage? Are you getting an FHA loan, or a Conventional loan? What is your credit score? Before a loan officer quotes a rate, these are the questions they will ask.

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Obama’s Plan to Help Responsible Homeowners

Click on Picture to watch the President’s speech.

By now, I am sure you have all heard about the President’s latest directive this week to help troubled homeowners refinance their mortgages, even if their loans are far higher than the value of their homes.

The bigger question should be – Will the big banks  adopt the presidents plan? Polls show a majority of Americans are in favor of his plan but we know that means nothing unless the banks and congress make it so. Read the rest of this entry »

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Posted by on January 31, 2012 in Housing Analysis, Mortgage Blog


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Lock Your Mortgage Rate : New Loan Fees Expected Within Days

Payroll tax fees for new loansStarting soon, nearly all home buyers and refinancing households throughout California and nationwide will pay higher mortgage loan fees. Congress has made it law.

As a Lender in Natomas, California, I am prepping my clients for higher fees. 13 months ago, as part of the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010, Congress enacted a one-year cut to FICA payroll taxes. Read the rest of this entry »

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Posted by on January 10, 2012 in Mortgage Blog, Mortgage Rates, The Economy


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Mortgage Payments Fall 12% Since February 2011

Mortgage payments in 2011

This is for my good friend Mark! We were at a year-end get-together (aka Drinking beer at the pub) with my rowing crew and he kept reminding me that rates are dropping. Thank you Mark! As mortgage rates drop, so do housing payments. It’s a good time to consider refinancing your home, or making an offer on a new one. Mortgage payment affordability has never been so high in history. Read the rest of this entry »

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Posted by on December 16, 2011 in Mortgage Blog, Mortgage Rates


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Home Affordability Ranking: Where does California Rank?

As 2011 comes to a close, I pose the question I asked 9 months ago, should you buy or keep renting? It is a question I hear almost daily from first time homebuyers and those who lost homes when the housing bubble burst. Well, I have some good news!

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Posted by on December 2, 2011 in Mortgage Blog, Uncategorized


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