Bay Area Mortgage Blog

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Mortgage and Lending - Platinum Home Mortgage Company - NMLS #238304
Small, easy to read mortgage tidbits from a California lender take you from application to approval in 300 words or less.

ARCHIVED BLOG POSTS

2007 

5 Comments
Could somebody, anybody, please give me one good reason THAT PEOPLE RETIRE?Although I am still years away from traditional "retirement age", like other Baby Boomers, I am being bombarded with messages screaming "Are you prepared to RETIRE?" Exactly what is retirement, anyway?  I say, what could b...
05/30/2007

7 Comments
Oh, but his voice was smooth, his demeanor suave, when he told me he had been referred to me by one of my Los Angeles lease clients. He wanted to lease a $65,000 Mercedes and was the CEO of a large property management company in LA.His credit? Impeccable. The car? Completely appropriate for a big...
05/30/2007

24 Comments
I can't help it. Sometimes I withhold information from my clients. I want my clients to be completely informed about the progress of their mortgage. I really do. I want to disclose everything so that they have all the facts. Honest, I do.But I also believe they have hired me to take the stress an...
05/28/2007

3 Comments
While discussing buying real estate with a group of friends from another (unmentioned) state, we Californians were so impressed by the low prices that someone laughed and said, "In California we would just put that on our credit card!"  Well, now you can.American Express has announced it will all...
05/24/2007

2 Comments
Nobody, I repeat nobody, likes contingent offers. All but the most desperate sellers don't want to accept them. Buyers land in homebuyer's purgatory, not really knowing if they'll end up with the house.  Real estate agents won't continue to show the house (because the contingent offer will probab...
05/23/2007

27 Comments
Can how you finance your car make a difference in a mortgage qualification? You better believe it! Ask any mortgage broker and they can tell you a story of having to ask a client to sell their car to make the loan work. This is because besides a mortgage, the next biggest debt most of us carry co...
05/22/2007

4 Comments
When my husband and I celebrated our 25th anniversary, I impetuously scribbled across the bottom of the card, "I promise you another 25 years and a lakehouse to enjoy them in!" We had never discussed a house at a lake, I did not grow up around a lake, and we had never even rented a house near a l...
05/21/2007

4 Comments
Honorable Graduates, Distinguished Faculty, Friends, Family and Parents:YOUR EDUCATION HAS A GAPING HOLE IN IT that IS GOING TO COST YOU DEARLY.Please don't ask me why we thought it was important to teach you about Shakespeare, but not about your credit report, because I am at a loss to answer th...
05/20/2007

16 Comments
When I was coming of age in California, the last thing we wanted to do was live in a city. The word "URBAN" was not cool like it is today. URBAN meant things like "blight", and "ghetto". We wanted to tune in, turn on, and drop out, with the key words being drop out. Drop out of civilization and e...
05/15/2007

4 Comments
If you would like to consider leasing your next vehicle, but are hesitant because the whole concept is mysterious, your local dealership thanks you. That's because they sell auto financing with the mushroom theory "Keep 'em the dark and feed 'em_______ (organic fertilizer)."In the real estate bus...
05/15/2007
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