Talking Loans with the Loanmonarch

Mortgage and Lending - C2 Financial - NMLS #279125
My blog is intended to inform, educate and de-mystify the lending process for professionals and laypersons alike. There are usually two solutions to every human problem...including obtaining a mortgage! Contact me for any of your financing needs or questions. You deserve to understand what is happening throughout the mortgage process
There is little doubt the Sapphire Grant Program will be considered the Best Friend of Home Buyers and Real Estate Professionals as well.There are Down Payment Assist Programs…and then there is the Sapphire Grant.  First time home buyers and seasoned home owners can both take advantage of this in...
I continue to be amazed at the sheer number of people who do not even attempt to complete a profile on Active Rain.   Or Zillow.  Or trulia. mean...really, what is the point of setting up all these social media sites if you are not going to use them?  Somewhat like atten...
This is a great post on the cost of waiting versus rising interest rates.  So often, consumers are focused on only one aspect of the purchasing process:  Rates?  Price? Trends?  The reality is there are a number of factors that should be analyzed in the home buying process.  George just gave us o...
While this post is tragic and I sincerely wish the best for Gail and her husband, all I can say is I am absolutely not at all surprised by the actions of BofA. Back in 1990, at the time of the merger (take over) of Security Pacific Bank by BofA, I was a Personal Banker in Bellevue, WA.  We had th...
The enactment of the California Homeowners Bill of Rights...while far from a very significant step forward for consumers in our State.  I personally know people who lost their home to foreclosure while in the midst of working on a modification.  Presumably, this will no longer happe...
Michael has done a great service in completely explaining the concept of "bi-weekly" mortgage payments.  One thing we are both on the same page with is that a borrower should never pay a bank, or third party company, for this service.  It is a complete waste of money! The Bi-Weekly Payment Plan i...
This is such a stellar post by Tni!!  Over the past couple years, on more than one occasion I have attempted to show homeowners the real numbers in keeping their home.  It is particularly frustrating when I talk with someone is "north" of 50 and more than 50% underwater AND in a very high interes...
This is VERY important information that all potential home buyers should know.  I believe that are three absolute MUSTS for every consumer who is shopping for new home construction: 1). Have your own buyer representation.  As Lenn states, this is absolutely essential.   2). Hire you own home insp...
Short Sales and FHA 203k Loans....Real Estate’s Vinegar and Oil   Seriously, are Short Sales and FHA 203K Loans mutually exclusive?  Much like Vinegar and Oil, they will never blend together effectively?   Anyone who knows me, or my blogs, or my comments on the advice forums knows I am a HUGE adv...
Changes in mortgage financing are nothing new, particulariy over the past few years; unfortunately most people ignore the pending changes until the "wolves are at the door" and a transaction is at risk. Gene Mundt has done a masterful job of detailing the coming changes for appraisals on FHA loan...

Deborah "Dee Dee" Garvin

C2 Financial
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