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Welcome to our site!
Thank you for stopping by our mortgage web site. Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want ...
8 Questions Your Lender Should Answer About Mortgage Rates
Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...
How Much Can I Afford?
How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-I ... Read More...
Four Possible Reasons To Refinance
A mortgage is generally the largest debt most homeowners have to manage. It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...
Weekly MBS Calendar
This Week's Economic Calendar provided by Rate Alert:
Monday;
3:00 pm Sept consumer credit (+$5.0B after declining $9.5B in August)
Tuesday;
1:00 PM 3 yr note auction ($32B)
Wednesday;
7:00 am weekly mortgage applications
10:00 am Sept wholesale inventories (+0.6%)
1:00 pm 10 yr n ...
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Is Yelp! Only For Restaurant Reviews?
Yelp!, founded in 2004 , based in San Francisco and officially launched its website in all major west coast cities in August of 2005. Yelp.com is a website where consumers can leave reviews for restaurants and other businesses. Recently, a study by Michael Luca, a researcher at Harvard Business Sch ...
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Is It Better to Rent or Own In Stockton Today?
The housing market still faces many challenges. High unemployment, foreclosures and other distress sales are keeping negative pressure on prices. This of course is good news if you are looking to buy as low rates and lower prices have brought affordability to record levels.
How Affordable? Since ...
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RE Lending Changes Effective October 1, 2011
On October 1, 2011, there were three real estate lending changes you may need to be aware of. They are as follows:
1. FHA Loan limites are reduced across the US
2. USDA has two changes
a. Gaurantee Fees are reduced from 3.5% to 2%
b. Now requires Mortgage Insurance
3. ...
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Renovating your bathroom maybe in your budget. It’s one of the most popular ROI when selling a property. With some elbow grease it can be done.
You can start by visiting your local library and bookstores and of course the internet. Research the design and cost. Will a simple paint job do for now or will it include changing some fixtures? For some of the more involved projects, you should c ...
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Stockton in the Top Ten for Buying Rental Properties
According to HomeVestors of America Inc. and Local Market Monitor Inc., Stockton made the Top 10 list as among the best cities for buying rental properties. Bakersfield and Fresno also made the list.
This ranking is updated quarterly and they report that about 14 percent of single-family homes ...
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