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loans in hemet: Refinances: Are they hot again. - 03/03/10 05:20 PM
While doing loans in Hemet, CA we have experienced an increase in volume of refinance mortgages.  Even though values remain constantly strained by perpetual foreclosures some people have enough equity to succesfully complete a refinance transaction.  Rates have been close to all time lows for a long enough period of time for the word to get out and for our customers to react.  I still have more clients in Van Nuys then in Hemet but either way the phone is starting to ring.  This came out today on MortgageNewsDaily.com.
 
The Market Composite Index, a measure of mortgage loan application volume, increased … (1 comments)

loans in hemet: MBS news today - 01/06/10 03:02 PM
While thinking about loans and homes in Hemet we have to consider mortgage rates and their inherent ties to the MBS market.  This helps us to lock rates while making loans in Hemet, mortgages in California and Van Nuys.
The 8:15 release of the Dec ADP private jobs report was more losses than what was expected; private job losses were expected to be 75K but were down 84K. Markets didn't make much of it however; its the BLS report coming this Friday that overrides the ADP data. Historically ADP estimates have been more bearish than what the BLS data shows. Markets … (0 comments)

loans in hemet: Credit information - 12/03/09 04:39 PM

One aspect to doing loans in Hemet and home loans in California is to understand how credit can affect you.  Here is a recently posted article that I included in an email to my customers in Hemet and Van Nuys regarding home loans and credit.
A Quick Recap!A credit score is a number lenders use to help them decide: If I give this person a loan or credit card, how likely is it that he or she will become 90 days or more late in a 24 month period. A credit score is a snapshot of your credit risk at a particular … (0 comments)

loans in hemet: Thanks Arnold - 10/13/09 07:47 PM
I have been involved in home loans in Van Nuys, The San Fernando Valley and most recently Hemet and San Jacinto for 20 years.  I have seen up and down markets and I never fail to end up scratching my head when it comes to political action within the industry.  Why is it that law makers find it neccessary to change the laws after the fact.  California has always had stringent licensing guidelines and now we get a new set.  We also now penalize our borrowers by no longer allowing them access to every loan program that might be available.  Quite … (0 comments)

loans in hemet: Hemet Hemet? - 06/23/09 01:04 AM
Many know me as the owner of Symphony Mortgage Company.  I was in Van Nuys, California for many years.  Most who know me also know that I have been doing loans for 20 years.  Some also know that I'm a drummer and that my passsion is music.  A few years ago I had the occasion to meet a Realtor from Hemet, California.  John Occhi and I met through a mutual relationship with an online realty service.  After 4 years of working with John and others in Hemet, I moved in.  That is to say that I have moved down to Hemet. … (0 comments)

 
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John Severino

Sylmar, CA

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City Lights Financial Express, Inc.

Address: 29134 Roadside Drive, Suite 106, Agoura Hills, CA, 91301

Office Phone: (866) 925-0779

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