predictions: PASS vs PLAY: Why This Mortgage Broker Would Rather Be RUTHLESS Than PERSISTENT - 07/02/08 10:50 AM
 
IS BEING PERISTENT REALLY A GOOD THING?
Yesterday, when I FINALLY got approval for a silly little loan that had been sent to no less than 3 banks in 3 months, I got a compliment of the highest kind from the head processor in our office. "WOW. I would like … (18 comments)

predictions: Beyond McMansions and SUV's : The TOP TEN Changes Coming to California - 05/18/08 12:10 PM
Here in California, we will be winding down this decade with a new sense of ECONOMIC AWARENESS and ENVIRONMENTAL SENSITIVITY. We are a little older.  We are a lot wiser.
Perhaps we are a little battered and a little bruised from all those issues that ended with the word "CRISIS". But hey, as they always say, "As California goes, so … (25 comments)

predictions: Unpermitted: California's Secret Little Property Tax Revolt Is a Ticking Time Bomb - 02/29/08 07:31 PM
"Chad" (not his real name) THOUGHT he was one of the lucky ones. His house had sold, and the buyers were lender approved.
Then the appraiser delivered the devastating news that caused the whole transaction to blow up: The appraisal on Chad's house could not include the entire 700 square foot downstairs area that had been converted … (12 comments)

predictions: Profoundly Paperless: When Did Paper Become Socially Unacceptable? - 02/19/08 10:52 AM
"What is this Big Box, Grandpa?"
"Oh, that? That's a file cabinet. We used to store papers in it."
"Grandpa, what's paper?"
Okay, I know we've been slinging the word "paperless" around for years. Then we snickered, went back to our desks piled with paper, laughed when our clients had to sign enough paperwork … (10 comments)

predictions: The Death of Suburban Sprawl - 01/07/08 12:05 PM
As a new year begins many Americans are in an understandable economic funk. We resign ourselves to smaller cars and smaller net worths, hoping we can save not only ourselves from the ills of the last century, but also our jobs and our homes (or the equity in our homes). But is there … (29 comments)

 
Loan Officer: Janet Guilbault, California Mortgage Expert (Peregrine Lending Company)
Janet Guilbault, California Mortgage Expert
Walnut Creek, CA
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Peregrine Lending Company

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