Recent Articles
Apr
04
2024
04
2024
What is the Point to Paying Points?
A big shout out to fellow author, Arnie Aurellano at the Scotsman Guide for first reporting on the Freddie Mac data that came out in January focusing on paying points in order to buy down the rate on your mortgage. A quick “Mortgage 101” reminder of what the concept...
A big shout out to fellow author, Arnie Aurellano at the Scotsman Guide for first reporting on the Freddie Mac data that came out in January focusing on paying points in order to buy down the rate on your mortgage. A quick “Mortgage 101” reminder of what the concept...
Mar
01
2024
01
2024
How the Heck do Homebuilders Have Those New Lower Rates?
I’ve seen them. You’ve seen them. Driving up and down Interstate 5, or maybe on Highway 26 – do these new construction communities have access to a secret pile of money that they can loan out at rates that are a full 2% less than what other lenders have access...
I’ve seen them. You’ve seen them. Driving up and down Interstate 5, or maybe on Highway 26 – do these new construction communities have access to a secret pile of money that they can loan out at rates that are a full 2% less than what other lenders have access...
Feb
06
2024
06
2024
Why are Mortgage Credit Scores Different Than What I see when I Pull It?
Why is My Credit Score Different from what the Lender Sees? I get one of two responses (either shock or Ahhhhhh) after reporting back to potential borrowers what their credit scores are after taking their mortgage application: 1) Shock ...
Why is My Credit Score Different from what the Lender Sees? I get one of two responses (either shock or Ahhhhhh) after reporting back to potential borrowers what their credit scores are after taking their mortgage application: 1) Shock ...
Jan
22
2024
22
2024
2024 CalHFA Dreams for All Down Payment Assistance Program Update
Some exciting updated regarding the State of California’s “Dreams for All” down payment assistance program for 2024! It is confirmed that it is coming back, but there are some major changes to it this year (some are for the better and some are for the worse). ...
Some exciting updated regarding the State of California’s “Dreams for All” down payment assistance program for 2024! It is confirmed that it is coming back, but there are some major changes to it this year (some are for the better and some are for the worse). ...
Jan
10
2024
10
2024
Where are Mortgage Rates Going? It depends on how "soft" this landing is or isn't.
Soft Landing or Recession? Why Is No One Looking at “Under Employment”? And what does it mean for mortgage rates? Wall Street Investors are betting on a soft landing — a successful effort by the Federal Reserve to pare back inflation without sparking a...
Soft Landing or Recession? Why Is No One Looking at “Under Employment”? And what does it mean for mortgage rates? Wall Street Investors are betting on a soft landing — a successful effort by the Federal Reserve to pare back inflation without sparking a...