David's Blog

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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 

Adult Fitness - Providing Healthy Choices to the Community The Maple Grove Parks and Recreation Board offers a variety of fitness classes for adults through out the year. All programs are held at school facilities in Maple Grove. Classes offered include: *Pilates, *Stability Ball Training, *Card...
06/18/2008
Discover Hometown Health is about finding new ways to get active and learn more about current health topics. It is about you and your family making healthy lifestyle choices. Most of all it is about having fun and enjoying life. Discover Hometown Health is presented in partnership with the Maple...
05/25/2008
If you are applying for a joint mortgage on your property with your spouse or partner, the name that goes first could have more of an impact than you might think. A 2010 study by the Woodstock Institute showed that mortgage lenders were inclined to show favoritism when men were the lead borrowers...
07/10/2013
Does the time of year when you put your home on the market affect how well it will sell?  What about the final sales price? According to many studies in housing trends, the answer is yes. The time of year when you sell your home can have an effect on how many people are interested and how much th...
07/10/2013
The summer heat is starting to take its toll on you and your thirsty lawn. Homeowners spend hundreds of dollars every summer striving to grow healthy grass and keep it green. If you're sick of trying to maintain a manicured lawn, then you can go green another way. Install artificial turf. The Gra...
07/10/2013
Winter may have taken a toll on your home's exterior this year. You've been noticing the cracking paint for months, but you don't want to shell out the big bucks to hire a professional painter. Don't fret! With the weather warming and the nice summer weekends, it's the perfect time to tackle that...
07/10/2013
What if you could accelerate the mortgage payment on your home so that you own your property several years earlier than your 15 or 30 year term? Making your final mortgage payment and owning your house is an incredibly good feeling and there is a simple way that you can bring about that rewarding...
07/10/2013
Imagine that you've found the perfect home and are ready to apply for financing. Your home loan approval amount comes back lower than you would have expected and at an interest rate significantly above what you have heard is available on the market. This could be because you have an average to po...
07/10/2013
You've got a new job offer across the country and you are planning to pack your things, buy a home and make the big move. However, when you tell your 17 year old daughter your plans, she lets out a mournful wail and cries that it is not fair. How can you possibly take her away from all of her fri...
07/10/2013
The S&P Case-Shiller Home Price Indices for April indicate that the housing recovery gained ground. In April 2013 average home prices tracked in the Case-Shiller 10 and 20-city Composites increased by 11.60 and 12.10 percent year-over-year. On a month-to-month basis, the Composites increased by 2...
07/10/2013
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David Kosmecki

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