housing crisis: Economic Cancer: That Sense of "Entitlement" - 10/23/09 11:01 AM
When did we start to feel entitled?
In the Depression of the 1930's, the jobless father of 4 asked the farmer if he could work on the farm for a day in exchange for food to feed his family.
In the Depression of 2010 do we just take the food from … (68 comments)

housing crisis: Why The $8000 First Time Home Buyer Tax Credit Could Be a Big Fat Waste of Money - 02/16/09 01:04 PM
It isn't a done deal yet, but here comes the newly improved first time home buyer tax credit, courtesy of President O's 2009 Stimulus Bill. Will it be a magic bullet?
Or just a stray bullet that missed the target by miles?
It is supposed to:
Get people off the fence, … (185 comments)

housing crisis: FEAR of FINANCING: The Disease That is Costing The Real Estate Industry - 11/12/08 10:25 AM
There is a new disease out there: Fear of Financing (FOF). FOF is a psychological disease that prevents people from buying houses. While we have yet to discover a cure, you as a Realtor can sell more houses if you understand it, and help potential buyers overcome it.
Buyers have already … (52 comments)

housing crisis: Why The Mortgage Ship Sank and The Realtor Ship Sailed On - 07/17/08 12:42 PM
A few years ago, the sun was bright and the wind was strong. And while we were never the perfect partners, we still understood that both the Reator Ship (the SS CrazyMarket) and the mortgage ship (the SS LooseLending) needed to make it to shore for a real estate transaction to … (75 comments)

housing crisis: One Dead Goose and Another Loan Goes Belly Up: How Declining Value Restrictions Hurt Property Values - 05/01/08 12:52 AM
She leaned against the doorway of my office, this messenger of bad news, like so many before her had done. My consolation prize? A large Butterfinger, which had been placed on my desk before she retreated quickly back to the doorway. She didn't dare to sit in the chair (and consider herself a guest in … (66 comments)

housing crisis: Shattered Dreams, Wasted Time: The Demise of the 20-Something Mortgage Brokers - 04/07/08 03:33 AM
It would not be fair to say they were in it for the money. And yet, MONEY (or shall I say EASE of making money)  was what drew so many in.
It was, the gold rush that caused many young people to forsake college. Worse, to sacrifice those twenty-something years for a career that … (81 comments)

 
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Janet Guilbault California Mortgage Banker/Broker

Walnut Creek, CA

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Address: 3201 Danville Blvd, Suite 195, Alamo, CA, 94507

Office Phone: (925) 552-3867

Cell Phone: (925) 212-6347

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