Hemet Mortgage and Real Estate Blog - Archives February, 2008

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Twitter What? Twitter Why? Twitter How? - an Active Rain Twitorial - 02/29/08 07:21 AM

Twitter is like the crack cocaine of social networking. It's fast, it's cheap, and it's addictive. Should you do it? YES. (Not crack...Twitter)
Let me share the What, Why and How of Twitter and then I expect to hear the twitter patter of little tweets.
.................................................................................
WHAT IS TWITTER?
Twitter is a micro-blog.
What I … (70 comments)

River Springs Charter School in Hemet - FKA Eagle's Peak - 02/29/08 02:25 AM

River Springs Charter School is a parent-choice school that my children are enrolled in. It's like having one foot in the public school system and two feet in homeschool. That's right...It's like having three feet!I posted an original article about the school called Homeschooling in Hemet? River Springs Charter School Offers … (0 comments)

Mo' Money, Mo' Money, MO' MONEY...Mortgage Costs still Rising - 02/29/08 01:52 AM

In the immortal words of Shaggy...
"ZOINKS!"
Freddie Mac (or, to use their Westminster Dog Show name, The Federal Home Loan Mortgage Corporation) are raising their mortgage loan delivery fees effective June 1st, 2008.
Delivery Fees are the fees that mortgage loan originators, like the Hemet Home Loan Guy (that's me) and their companies … (2 comments)

Ranch Style Home with Pool - 26025 Lisa Lane - 02/28/08 10:51 PM

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Pre-Foreclosure Home in West Hemet Must Sell Now! 5 Beds, Large Lot - 02/27/08 04:16 AM

4 Bedrooms and Upgrades for Under $225,000 - 02/27/08 04:12 AM

Beautiful Home in Gated Community for Baby Boomers / Seniors - 02/25/08 09:37 PM

Beaumont Bank Owned REO - Fantastic Value! - 02/25/08 09:01 PM

Commercials for Altura Credit Union with the Hemet Home Loan Guy in Them - 02/24/08 09:01 PM

Altura Credit Union (formerly known as Riverside County's Credit Union) is the parent company for Patrion Mortgage. When the Hemet Home Loan Guy heard they were going to film some commercials and they were looking for handsome and talented volunteers he signed up.
Okay, just volunteers.
Here's the first commercial. If you … (8 comments)

Yucaipa Real Estate Spotlight: Graham Holmes, Mission Grove Realty - 02/23/08 05:08 PM

As your local mortgage lender, I work closely with the best real estate professionals in Yucaipa, Hemet, Murrieta, Temecula and the surrounding areas. I like to turn the Real Estate Spotlight on great Realtors and other folks so that when you decide to buy or sell real estate in the Inland Empire (San Bernardino and … (6 comments)

Moon Over My Hemet - Clouds Prevent Lunar Eclipse Watching in Hemet - 02/20/08 08:15 PM

Bummer! Cloudy weather in the Hemet-San Jacinto Valley is preventing a good view of tonight's lunar eclipse.
This is the third time in the least year that there has been a total lunar eclipse, when the moon passes through the shadow of planet Earth.
Nearly everyone in North America and Western Europe will … (33 comments)

Adjustable Rate Mortgages in Riverside County? - 02/18/08 08:55 PM

Adjustable Rate Mortgages, or ARMs, are one option when you finance a home. But, in a time of declining home prices, is it a good option? It's been a while since I wrote ARMed and Dangerous? and it's time for a quick update.
First...today's interest rates** for Patrion Mortgage's portfolio Hybrid ARMs:
3/1 ARM … (7 comments)

President's Day, Fragile Democracy, and a Good Book - 02/18/08 01:20 PM

Democracy is more fragile than we often suppose. Look at the troubles in Iraq, Afghanistan and Russia. And it wasn't long after the French Revolution that Napolean reigned unchecked. What about in our own country?
Today is President's Day. Just about the only way we celebrate this holiday is by kicking off of work. … (9 comments)

Snowy Valentines Day in Hemet and San Jacinto - 02/16/08 04:09 PM

So I guess the weather man is just about as good as the chief economists at predicting the future.
There was actually SNOW in parts of Hemet and San Jacinto. It's common to see the snow on Idyllwild and the San Jacinto mountains, but it's very rare to see them on the … (9 comments)

New Mortgage Loan Limits: When and How Much? - 02/15/08 12:04 PM

On Wednesday the President signed the economic stimulus bill that I wrote about in No Mo' Jumbo? Higher Mortgage Loan Limits from Congress to President. So when do these changes take place? And what will the new home loan limits be?
When? The new loan limits legally became effective when the bill was signed, … (14 comments)

Thoughtful Wife + Valentine's Day = Serenity Spa in Hemet - 02/15/08 11:13 AM

Jolynne is the best.
Yesterday was Valentine's Day, and we had plans to date at home (it's hard to find a babysitter on Valentine's Day). After returning to my office from some out of office appointments, I found on my desk a creative note from my wife. It's a huge 'to do' list … (2 comments)

Rock Videos with The Hemet Home Loan Guy in Them... - 02/11/08 12:20 AM

Some of you might have read my blog post on my rock and roll past: Who were YOU before real estate? I was a rock musician.
What I didn't have back then was some old footage of my band, skypark.
It's funny...all the people that knew me back then can't believe that I … (11 comments)

Jumbo Loans are Red Thingamahoozits...That's Why the Rates are Higher. - 02/10/08 08:01 PM

What's with the higher rates for jumbo loans?
I posted an article called No Mo' Jumbo? Higher Mortgage Loan Limits from Congress to President. Scott Wall was kind enough to pay me a visit and add his comment. Here's what he had to say:
"I think the whole concept of jumbo loans is silly. I know … (3 comments)

No Mo' Jumbo? Higher Mortgage Loan Limits from Congress to President - 02/09/08 01:57 PM

On Thursday the Senate passed an economic stimulus package that included a provision to raise the mortgage loan limits for FHA and conventional mortgage loans. The House of Representatives passed the legistlation last week, and now it is headed toward the President, who is expected to sign it.
Presently, any loan over … (20 comments)

Free Appraisal and Underwriting Seminar for Riverside Real Estate Professionals - 02/09/08 02:00 AM

UPDATE: THIS EVENT HAS BEEN CANCELED 2/12/08Patrion Mortgage and Cuna Mutual Group Mortgage Insurance (CMG) are hosting a training opportunity for the credit union mortgage lending community and real estate colleagues. Realtors, Brokers, Mortgage Brokers and other affiliates are invited to attend one or both of the seminars. APPRAISAL REVIEW TECHNIQUES … (3 comments)

Will FHA Loan Costs Increase Because of Foreclosures? - 02/08/08 11:49 AM

The President's 2009 fiscal budget would require the Federal Housing Administration to raise its mortgage insurance premiums. The annual premium would raise from .50% to .52%, and the upfront premium would raise from 1.5% to 1.95%.
For example, on a $200,000 FHA loan, the annual fee would increase from $83 to $87 … (28 comments)

Get Mortgage Loan Updates On Your Mobile Phone - via Twitter - 02/07/08 01:11 AM

Curious what the 30-year fixed mortgage interest rate is today? The Hemet Home Loan Guy now has a Twitter page that will keep you updated...even on your mobile phone.
What is Twitter? It's like a condensed version of a social network site, like Active Rain, or a blog. Basically, it's used for short … (9 comments)

Riverside County First Time Buyers Program UPDATE - 02/06/08 08:01 PM

Two days ago I reported that the Riverside County's First Time Home Buyers Program is Out of Funds!
I ended the article with this statement: "The Riverside County Economic Development Association's fiscal year ends in June. I haven't received word whether or not the funds will be available in July. Stay tuned."
I … (0 comments)

Riverside County's First Time Home Buyers Program Out of Funds! - 02/04/08 02:34 PM

The Riverside County First Time Home Buyers Program has run out of funds.
The program offers up to 20% (maximum $75,000) down payment assistance to first time buyers and has been well-funded in recent years due to the lack of affordable housing for people with limited incomes. The buyers are not … (12 comments)

The Customer Profit Concept - Real Agent Help Breakfast - 02/03/08 10:11 PM

The Customer Profit Concept - Real Agent Help Monthly BreakfastThe Real Agent Help Monthly Breakfast is the premier real estate networking event in the Hemet region in Riverside County, California. Join us for breakfast, an opportunity to share a need or a listing you have, great educational content and tools to grow your … (0 comments)

Investing in Hemet Real Estate...Good News and Bad News - 02/03/08 02:21 PM

What does investing in Hemet real estate look like in 2008? There have been a lot of changes in the last several months. Some of those changes are good and some are bad. Is it time to buy investment properties in Hemet and the surrounding areas? Let's look at some of … (2 comments)

Funny Family Quotes - 02/01/08 09:28 PM

Tom Plant had a "Kids say the darnedest things" moment that he shared in Out Of The Mouths Of Babes - My Brother Has A "Situation"
That inspired me. You see, one of my favorite things to do is to 'collect' the funny things that my kids say. I keep them … (37 comments)

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