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Mortgage and Lending - Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, - NMLS #138061 MMCD #1141

ARCHIVED BLOG POSTS

2017 

Some of them want to use you, some of them want to abuse you      This month @Kathleen Daniels invited us to write about the thing in our job that drives us nuts - the Joker to our Batman.  I loved this analogy, because thinking about the topic I wanted to write about, I realized I have a lot of ...
04/28/2017
Dick offers us a great picture of what goes on in the minds of sellers in a competitive marketplace.  We see similar multiple-offer scenarios play out daily here in a hot California marketplace, and I see them across the country. As a lender a few things stood out to me --- for one, while FHA sho...
04/26/2017
New Fannie Mae (Conventional) Guidelines       Fannie Mae has announced some changes to their conventional lending guidelines, effective immediately.  This is a welcome announcement as the changes make underwriting guidelines more clear, and in some cases more lenient.  They also improve pricing ...
04/25/2017
Zillow Takes a Bite Out of Dual Agency "Beginning in May, 2017, Zillow Group, which includes both the Zillow and Trulia platforms, has decided to STOP accepting manual listing entries from real estate agents. What does this mean? It means that beginning in May, Zillow and Trulia will ONLY accept ...
04/21/2017
Recently Closed - 15 year Refinance in Los Angeles, CA      Recently a friend reached out with a casual "hey, a coworker of mine is having trouble refinancing so I told him to give you a call".  Shortly thereafter, I heard from his coworker, who was looking to refinance to a lower rate, and was a...
04/18/2017
Loan Fees Shouldn't Be a Mystery To you, it's a "buffer".  To a client, it's a "miscellaneous" mystery.  To a lot of people, it looks an awful lot like gouging, or at least the potential to gouge.  Since the SAFE act of 2008, as lenders we've been legally mandated to know our fees, and disclose o...
04/12/2017
What Documents Do I Need to Get a Mortgage?      One of the most confusing, and often times frustrating, parts of buying a new home or refinancing an old mortgage loan is submitting all of the documentation required by lenders.  If the last time you got a mortgage was pre-TRID, pre-SAFE, pre-Dodd...
04/03/2017
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