California Mortgage - 04/28/11 07:51 PM
California Mortgages
In this short video I discuss the benefits of working with me on your next purchase or refinance mortgage in California. With our current lending capacity, I can address nearly all residential home lending needs from first time homebuyers to real estate investors, and RPM's competitive rates and programs, great service and 7-days-a-week accessibility provide a smooth loan process and a close of escrow on time and without surprises.
Conforming and jumbo loans, fixed rate and ARM loans and FHA financing are available. I always offer a free consultation and a no-obligation mortgage pre-approval that can be done online and … (0 comments)

Calling All California Realtors! What Do You Make of This? - 04/27/11 05:01 PM
California Realtors, What Do You Make of This?
Realtor.com just reported on the 11 cities in which homes sell the fastest.  Of the Top 11, CA cities claimed 7 of the spots and the edited list is below.  In your opinion, to what factors should we attribute this relatively quick turnaround?  Is it smart pricing at the outset? Reasonable and/or motivated sellers? Cash buyers?  Jumbo-conforming financing in line with median sales price?  Inventory?  Job economies?  Etc.?
I'd be really curious to get your thoughts from the front lines, so just reply below.
Nationally, the median for homes for days on the market was 160 … (2 comments)

California Mortgage Rate Update: 04/25/11 - 04/25/11 07:42 PM
Below are today's interest rates for RPM's loan programs.  For specific pricing on your scenario, and to get pre-approved without cost or obligation for any of these loan products below, simply call 877-270-5959 or e-mail rspinosa@rpm-mtg.com.  Access The Mortgage Dictionary on YouTube to view short videos that define and explain the most important terms and concepts in home financing.  All pricing below is at 0 points unless otherwise noted:   Conforming Loans (up to $417,000)   30-Year Fixed Rate:  4.750% APR:  4.774%   15-Year Fixed Rate:  4.000% APR:  4.034%   7/1 ARM Rate:  3.625% APR:  3.824% 5/1 ARM Rate:  3.250% APR:  3.460%   FHA 30-Year Fixed (96.5% Financing)   … (0 comments)

Home Finance Guide for the Week of April 25, 2011 - 04/25/11 07:37 PM
Home Finance Guide for the Week of March 28, 2011

The Mortgage Dictionary (http://www.themortgagedictionary.com) provides this week's home finance economic calendar of events that can move the mortgage market, plus opening rate sheet for the week. If you are in the home loan process, this information will guide you about events to track when determining whether to lock or float an interest rate. This week, we need to consider the following news and reports; new home sales, consumer confidence, durable goods orders, FOMC meeting and Ben Bernanke's press conference, advance GDP for Q1, jobless claims, pending home sales, personal income, … (0 comments)

California Mortgage Rate Update: 04/11/11 - 04/11/11 01:14 PM
Below are today's interest rates for RPM's loan programs.  For specific pricing on your scenario, and to get pre-approved without cost or obligation for any of these loan products below, simply call 877-270-5959, or visit the RPM secure website.  Access The Mortgage Dictionary on YouTube to view short videos that define and explain the most important terms and concepts in home financing.  All pricing below is at 0 points unless otherwise noted:   Conforming Loans (up to $417,000)   30-Year Fixed Rate:  4.875% APR:  4.899%   15-Year Fixed Rate:  4.250% APR:  4.284%   7/1 ARM Rate:  4.125% APR:  4.361% 5/1 ARM Rate:  3.375% APR:  3.561%   FHA 30-Year Fixed … (0 comments)

Weekend Availability + Implications of a Government Shutdown - 04/08/11 09:48 PM
Real Estate Professionals,  While the Government may be shut down (see below), I will be available this weekend to assist with your clients' pre-approvals, offer letters and home loan questions.  If I can be of service, feel free to reach me on my cell phone at 415-367-5959, or by e-mail at rspinosa@rpm-mtg.com. Seriously, should we experience a shutdown of the Federal government, here are some of the implications to the real estate financing process.  If you have a transaction in process with another lender, be sure to get clarification on how your escrow could be impacted.  For RPM, we are issuing … (1 comments)

California Weekly Rate Update: 04/04/11 - 04/04/11 01:42 PM
Below are today's interest rates for RPM's loan programs.  For specific pricing on your scenario, and to get pre-approved without cost or obligation for any of these loan products below, simply call or reply to this message.  Access The Mortgage Dictionary on YouTube to view short videos that define and explain the most important terms and concepts in home financing.  All pricing below is at 0 points unless otherwise noted:   Conforming Loans (up to $417,000)   30-Year Fixed Rate:  4.750% APR:  4.774%   15-Year Fixed Rate:  4.125% APR:  4.159%   7/1 ARM Rate:  3.750% APR:  3.906% 5/1 ARM Rate:  3.375% APR:  3.561%   FHA 30-Year Fixed (96.5% Financing) … (0 comments)

 

How to Refinance: Mortgage Subordinations

What Is a HARP Refinance?

Understanding California Real Estate Taxes

Can I Get a Cosigner on a Mortgage?



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