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loans: Zillow - - Breakdown Accurate - - or Error Prone? - 04/02/08 12:15 AM
Dave Gallagher is the business editor at The Bellingham Herald. He maintains a business blog for the Bellingham & Whatcom county business pulse.
Dave recently wrote an interesting article describing Zillow's new analysis report - called home values band.
This Zindex home value indicator provides details on national home trends. This tool … (0 comments)

loans: Most Expensive USA ZIP Codes - 09/19/07 12:51 PM
Are you contemplating identity branding of your business to the ultra wealthy? Well a good mining tool is the recent Forbes Real Estate Special Report - Most Expensive ZIP Codes.
Guess which two cities housed the wealthiest of the affluent? If you guessed Alpine N.J. or Miami Beach's Fisher Island, you have … (2 comments)

loans: The Incredible Shrinking Commerccial Paper Market - 09/07/07 11:19 AM
A few days ago I commented on the Seattle-King County snafus regarding "commercial paper" and the subsequent loss of millions of dollars.
Reuters has an alarming article on the shrinking commercial paper market - - - a 13% decline in the past month. So why should you, as a real estate and housing … (1 comments)

loans: Get Smart - Mortgage Professor Site - 09/02/07 11:56 PM
Read any good newspapers or periodicals regarding the credit meltdown. and subprime mortgage woes?
Want to know what all those theories and terms mean? Well fret no more! Just mosey on over the the Mortgage Professor Web site and get educated.
The Mortgage Professor's Web site: http://www.mtgprofessor.com/ contains numerous resources to make you, … (1 comments)

loans: Free 'Guide To Home Loans' CD - 05/15/07 09:55 PM
Want to get educated on the home loan process? The Washington State Department of Financial Institutions offers a free CD. Go to the Web site, and fill out the on-line form. Great information to get you up to speed for the mortgage loan process in Washington state.
http://www.dfi.wa.gov/consumers/order_homeloans_cd.htm
Topics include:
Home Loan Basics
Before … (0 comments)

loans: Mortgage Brokers Save You Money-Part II - 05/15/07 11:21 AM
In Part I, Mortgage Brokers Save You Money-Part I we noted that mortgage brokers generally offer better financing packages than banks.
Let's examine this issue in more detail. Bank lenders only offers mortgage products from their own (usually very limited) products the bank produces. Sometimes bank lending agents may not want to … (2 comments)

loans: Lenders' Foreclosure Curtailing Strategies - 05/09/07 11:24 PM
It's good to see more lenders intervening to assist current homeowners, and reduce the number of foreclosures! The following strategies should assist many families. Financial and political pressure are motivating lender to try to avoid foreclosures, lenders are taking action on several fronts:
Fannie Mae, America's leading mortgage lender, is … (3 comments)

loans: Don't Be Just Another Fish In The Sea - 05/08/07 11:08 AM
As one of many loan officer in Bellingham, I need to distinguish myself from competing mortgage companies and banks offering home loans.
One way is the wonderful ActiveRain Web site! I've had two prospects contact me after discovering me on the ActiveRain site!
Customer service is a key component these days, … (2 comments)

loans: Whatcom County Home Prices Up In FIrst Quarter - 05/03/07 01:12 PM
An encouraging article in the Bellingham Herald notes that home prices for the Bellingham area have increased compared to one year ago. While many other areas of our country struggle with flat or declining property values, Bellingham had the fourth highest appreciation rate in a survery of 63 metropolitan areas!
(1 comments)

 
Loan Officer: Michael Lozar - Mortgage Loan Officer Bellingham (PTF Financial Corp. - My Mortgage Company)
Michael Lozar - Mortgage Loan Officer Bellingham
Bellingham, WA
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PTF Financial Corp. - My Mortgage Company

Office Phone: (360) 685-4205
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Welcome to the Great Northwet (rains a lot). My soapbox for the home loan business and lifestyles in Bellingham, Whatcom County, Skagit County and Washington state.


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