mortgage: Now licensed in 3 states! - 05/05/16 12:52 PM
Good Afternoon, 
Our branch is now licensed in Arizona, Oregon, and California! Please do not hesitate to call for any help buying or refinancing properties in those states...See below for further details and contact information.
All the best, 
Michael Haigh

mortgage: Ellie Mae has released a survey that is sure to blow your mind - 05/03/16 11:18 AM
Good Morning, 
Saw this video, by the National Real Estate Post this morning...Very interesting perspective.
Let me know your thoughts!
See the link below:
Michael J.Haigh
Branch Manager, NMLS #200819
Direct: (NEW) 650 409-5918
Cell: 415.269.4461
1860 El Camino Real, Suite 250 Burlingame, CA 94010

mortgage: The Michael Haigh Team Flyer - 04/11/16 09:54 AM

mortgage: Just another week as a Mortgage Loan Officer! - 03/18/16 10:53 AM
Good Morning and Happy Friday,
        As one of the top loan officers and managers at W.J Bradley, it was unfortunate the way that everything came down. With that being said, our team was pretty much aware and made provisions to move prior to the mess of this past weekend. Sunday the compapny got surprised with an e-mail pending a complete shut down. By Monday we were all signed up with another company, clients are okay and the new company is far superior to WJB. Enough said...going forward you will be happy to know, we have the capacity and capability to close loans in … (0 comments)

mortgage: Mortgage Lenders: Villain or Hero? - 03/09/16 11:42 AM

Interesting video from 
Let me know your thoughts!
Michael J. Haigh
Retail Sales - Branch Manager
The Michael Haigh Team
W.J. Bradley Mortgage Capital, LLC.
1860 El Camino Real, Suite 250 
Burlingame, CA 94010
Main: 650 204-3311

mortgage: 10 Year Mortgage Rates hit records lows! - 02/24/16 09:22 AM
ONCE IN A GENERATION!! The 10 Year Treasury Yield - is at a historic low. AND • History has shown that when interest rates touch these low points, that they don’t remain at these levels for very long. Talk to your Realtor, talk to your lender and take advantage. And currently most people do not know how much equity they have recaptured since 2008 (or even 2011) range....payoff some consumer debts, pay off your kids student me for a full consultation on how to use your current cash flow to retire early - debt free.Oh - client this morning, refi'd … (0 comments)

mortgage: Carole Fogelstrom and Michael Haigh Presents: - 02/18/16 12:47 PM

mortgage: Mortgage rates could cross a record low - 02/12/16 09:22 AM

"General Market Direction*: IMPROVED."............the greatest thing a lender can see after the market opens. Rates are killing it. My Realtor Partners - are you mentioning this to your current clients and equally important - almost every home you closed on could benefit with a mortgage check up. And it is good reason to be back in touch with your clients and uncover sales opportunities for you. And that is a good thing!

mortgage: Face to Face Sales Crushes Facebook Marketing - 01/25/16 12:54 PM

I love these guys...always post such relevent information.
Would love to hear all of your thoughts!

mortgage: Great video from the National Real Estate Post - 01/15/16 10:04 AM

The United States Zestimate is Here! … (0 comments)

mortgage: Mortgage Rates Modestly Lower - 12/23/15 11:13 AM

Mortgage rates continued a trend of small, steady improvements into the new week today.  This marks the 4th straight day of a winning streak that began last Wednesday when the Fed announced its much-anticipated rate hike.  If the notion of a Fed rate hike followed by falling mortgage rates doesn't make sense, don't worry.  The Fed rate hike has drawn out lots of analysis on the implications for other interest rates, and much of it is missing two critical points.
First, mortgage rates are not directly connected to the Fed Funds Rate.  In fact, we've even seen them move in the opposite direction for months in the … (0 comments)

mortgage: 4 Holiday Dangers for Your Mortgage Application - 12/18/15 11:47 AM

Just because the real estate market tends to slow down during the chillier months doesn’t mean it grinds to a stop. There are plenty of reasons to buy during the holidays, good deals being one. Sellers with homes still on the market come winter are more likely to compromise on price, and with fewer people looking for homes, buyers have more leverage.
But the holidays can present all sorts of problems when it comes to getting a mortgage. Here are 4 you should watch out for.
Your new job
Your New Year’s resolution may be to finally quit the job you hate and move … (0 comments)

mortgage: Happy Holiday's From W.J. Bradley - 12/11/15 09:18 AM


mortgage: 6 Things to Consider Before Paying Off a Mortgage Early - 12/04/15 09:39 AM

Living debt-free sounds great, and depending on where you are in life it may actually be attainable. But even if you can pay off your mortgage early, should you?
Although it may be tempting, first consider the opportunity cost of paying off your mortgage early at the expense of other goals or investment options, as well as the impact to your tax situation.
Opportunity cost. By paying off your mortgage early, you'll save on the additional interest expense that would have been incurred in your regular payments. This savings can be significant, and will increase with the prepayment amount. However, by directing excess cash towards paying down … (1 comments)

mortgage: Is it best to use $100,000 to pay off mortgage on home or invest ? - 12/02/15 09:39 AM

Would it be better to take $100,000 and pay off my mortgage on my primary residence or take the same $100,000 and buy a rental property with only cash?
It’s a good question, but there are way too many variables to give you one particular answer. If you’re young, you may opt to keep the mortgage on your home and use that leverage to start buying rental properties with an aim toward developing an investment income rental portfolio.
If you’re retired and need income, it may be better to pay off the mortgage and live off whatever sources of income you have without … (3 comments)

mortgage: 15 Mortgage Questions and Answers for First-Time Homebuyers - 11/30/15 09:45 AM
If you're new to the mortgage process, it can be a bit overwhelming. Not only are there many different loans to choose from, but knowing what to expect before you get started can make the difference between a hectic and stressful experience and a smooth closing. With that in mind, here are 15 common mortgage questions asked by first timers, and their answers.
 Should I get a fixed rate or adjustable rate?
A fixed-rate mortgage means that you'll pay the same interest rate throughout the life of your loan. On the other hand, an adjustable-rate mortgages starts out with a low … (1 comments)

mortgage: Finding The Right Down Payment Amount - 11/11/15 10:31 AM
Mortgage lenders have an important task of trying to help borrowers determine how much money they will spend on the down payment for a property purchase. Obviously the more that a customer pays up front, the less they will need to take out in the form of a loan. However it is often in a borrower's best interest to make a larger down payment, if they have the financial means to do so. As a lending expert, it is a fine line to walk between doing what's best for the customer versus the move that would most benefit the business.
Conversely, many lenders shy … (0 comments)

mortgage: How To Work With Millennial Borrower - 11/06/15 09:41 AM
The millennial generation offers a great amount of opportunity for mortgage lending agencies. That same group of people also presents tremendous risk. Millennials are the largest generation alive, and as they grow older and acquire larger incomes, more of them are looking to buy property. Lenders must be aware of the trends involving millennial real estate spending and how this group of people can make a tremendous impact on business.
Because of their age, most millennials will be first-time homebuyers. Understanding what this portion of the home buying population finds important in sales and how to best help them find the mortgage rate they … (0 comments)

mortgage: Pay Off Your Mortgage: How One Guy Did It In 3 Years - 11/04/15 11:02 AM

"Ding dong, the mortgage is dead," a jubilant Sean Cooper announces as he sets fire to his mortgage in front of cheering friends outside a Toronto restaurant. “I feel like the weight of the world has been lifted off my shoulders," he declares. Cooper has just achieved what many Canadians aspire to do: pay off our home and celebrate with a mortgage-burning party. He just did it decades faster than most of us.
In 2012 Cooper bought a house in Toronto for $425,000. He then embarked on a painstaking financial plan — including working three jobs and living like a pauper — to pay off his … (0 comments)

mortgage: Fewer homebuyers are tapping their parents for money - 10/28/15 09:29 AM
As first-time homebuyers finally begin returning to the housing market, there may be one “bank” in the country that is actually happy to be lending less, namely the Bank of Mom & Dad. Last year, the percentage of family and friends supplying financial help had fallen to 12%, the lowest since mid-2007 when 8% of parents helped their children buy a home, according to Z, +0.03% using an analysis of the Federal Reserve Board’s 2014 Survey of Household Economics and Decision-making (SHED).
Compare that to the height of the Great Recession in 2009 when family and friends helped contribute gifts and loans to … (1 comments)

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