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california home loans: Huge California Real Estate opportunity in April 2010 - 04/13/10 12:38 PM
Thanks to the new California first time homebuyer tax credit that governor Schwarzenegger signed into law, first time homebuyers can qualify for a state tax credit of 5% of their purchase price, up to $10,000. Because the federal tax credit expires at the end of April 2010, if you enter into a purchase contract before the end of April, and close the esrow after May 1, you can receive the federal and state tax credits combined. The federal first time homebuyer tax credit will give 10% of the purchase price, up to $8,000. Taking advantage of both credits in the months … (2 comments)
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california home loans: $8,000 First Time Home Buyer Tax Credit Coming Close to the End - 01/26/10 07:13 PM
This is just a reminder that the $8,000 tax credit, awarded to first time home buyers, expires soon on April 30, 2010. This means that the signed purchase agreement for your California real estate needs to be dated no later than April 30, and the escrow needs to close by June 30. This type of free money from the government may not be extended again, so if you are thinking about purchasing property, get off the fence, give me a call at 800-785-4952, or contact a local real estate agent, and start the home search. Some of you will be pleasantly … (1 comments)
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california home loans: Happy Holidays and a Happy New Year! - 12/21/09 04:21 PM
I want to take this time to thank all of my readers, past clients, and current clients, for a memorable 2009. It sure seemed like one heck of a tough year for everyone. 2009 was marked with dramatic changes in the real estate and mortgage industries, but also in the political and economic landscapes as well. Many of you took advantage of the opportunities in this market, and bought or refinanced real estate at reduced prices with historically low interest rates, and some of you were first time homebuyers that will also receive an $8000 tax rebate next year. I congratulate … (1 comments)
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california home loans: Insist on Realistic Expectations - 12/11/09 02:02 PM
I recently helped a first time homebuyer acquire a beautiful home, and I let him get me away from insisting on realistic expectations, that came back to bite me. The property is such a jewel: a home on a private golf course, selling for less than half of what it sold for 3 years ago. It's on a 1/3 acre lot, a custom vintage home from the 1960s. This California real estate represented everything my client was looking for, and beyond, when we began the home search over a year ago. The home was bank-owned, and the listing was an "AS … (0 comments)
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california home loans: Show some respect and be professional - 05/08/09 07:16 PM
I picked up a new client this week, with an interesting set of circumstances. I want to share it with the community, because there is a great lesson to learn here. My borrower went into a local housing development, and really liked one of the finished homes that they were selling. He went into the sales office to inquire about purchasing the home, and they referred him to their inside mortgage agent, for a loan approval. They collected his financials and pulled his credit, and offered him an FHA loan with a 3.5% downpayment, or conventional loan with a 20% downpayment. … (9 comments)
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california home loans: How to save for the downpayment - 02/12/09 10:55 AM
I received a call yesterday from a borrower with an interesting situation that I thought I would share. For the last 2 years she has been working on improving her credit scores and reducing her debt. She started with a 420 credit score, and today is enjoying a 640 mid credit score. She wants to buy a home in her area, because her current rent payment is nearly equal to what a California home loans payment would be for the price of a home she's interested in. Her income is solid, her debt is low, but she does not have any … (0 comments)
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california home loans: Get off the Fence! - 11/28/08 02:20 AM
I had a conversation with a client of mine that many of us are going through. He contacted me yesterday to wish me a happy thanksgiving, and to ask when I felt the bottom of the California real estate market would be. I told him that there is money pumping into the credit sector now, and that prices have already come down substantially in the last year. I told him he should take advantage of a sub 6%, 30 year fixed interest rate market, and get off the fence. He seemed to believe that prices will come down even further, and … (0 comments)
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California Home Loans | Mortgages | Refinance | Joe Almirantearena
Fresno,
CA
More about me…
http://www.findmyloanonline.com
Address: http://www.findmyloanonline.com, CA
Office Phone: (800) 785-4952
Cell Phone: (800) 785-4952
Email Me
I have included helpful consumer information about California home loans I've collected, and tried to add interesting subjects that all of you are thinking about. Enjoy the topics. 
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