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Mortgage and Lending - Bay Equity - Bay Equity NMLS #76988
My blog will try to provide you insights into mortgage lending, my prospectives into the real estate market and general information. I provide this based upon my 39+ years in the real estate, building and now for the past 23 years the mortgage industry.

ARCHIVED BLOG POSTS

2013 

Interested in joining a new volunteer group called "Friends of the Angel"?  Each year a candlelight memorial is held at the Angel of Hope statue on December 6th at 7:00 p.m.  The public is invited to attend this short, simple secular ceremony. Candles will be provided. Attendees are invited to b...
10/05/2007
Maple Grove's "Fit For Life" Wellness Program won the Corporate Achievement in Health Care Award presented by Twin Cities Business and Medica in their joint effort to present Minnesota's first annual "Health Care Heroes" awards. These awards recognize and honor organizations and individuals whose...
07/17/2013
Maple Grove's Fit For Life Wellness Program won the "Corporate Achievement in Health Care Award," presented by Twin Cities Business and Medica in their joint effort to present Minnesota's first annual "Health Care Heroes" awards. These awards recognize and honor organizations and individuals whos...
10/14/2007
Getting the best mortgage financing for your new home can sometimes be a complicated process and, unfortunately, things can go wrong. Using a licensed and trusted mortgage loan specialist can help alleviate many of these challenges. There are certain mistakes that many homebuyers make when applyi...
07/17/2013
Just like fashion designs and hair styles, home decor trends are constantly changing and evolving. Each new season brings a new must-have feature for your home. In order to keep your home looking fresh and chic, what are the hot trends for 2013 that you can incorporate into your decor? Here are a...
07/17/2013
Many home owners dream of having a home theater - an entire room of the home dedicated to enjoying television and film. These rooms are usually equipped with a large flat screen television or projector, comfortable seats, mood lighting and perhaps even a bar or a snack fridge. They are very comfo...
07/17/2013
FOMC Minutes Suggest QE Tapering by Year-End: The minutes for June's meeting of the Federal Open Market Committee (FOMC) suggest that committee members are mostly in agreement that the current quantitative easing program (QE) should begin winding down by year end, but the committee minutes are ve...
07/17/2013
In this short video I discuss all things "HUD Homes". A HUD Home is a foreclosed home owned by the Housing and Urban Development. It is a foreclosed home that had a FHA mortgage on it. Watch the video and you will have a better understanding if a HUD is a good option for you!
07/22/2007
Here is my next video in the series. It is all about rate locks. In the video I explain the difference between "Hard" locks and "Float Down" locks. I discuss the you need to get a written confirmation. Rate Locks vary in length and of course, the long the term of the lock the more expensive it i...
06/12/2007
Anglers Can Help Get the Lead Out: Lead is a toxic metal that, in sufficient quantities, has adverse effects on the nervous and reproductive systems of mammals and birds. Lead is found in most fishing jigs and sinkers. This metal can poison wildlife such as loons and eagles. But there is another...
06/11/2007
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