David's Blog

Follow me
By
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 

Pending home sales fell in September by -5.60 percent, and were 1.20 percent lower year-over-year. This is the first time in more than two years that pending home sales have fallen below year-earlier readings. September's reading was below August's reading of -1.60 percent. The National Associati...
10/29/2013
Barbecue season is all but over, and you won't be spending as much time out on the deck. Don't let it get you down, though. Spring will be here before you know it. There are a lot of things that can wear down and damage your deck, so protect your deck and make sure it stays in tip top shape over ...
10/25/2013
Refinancing a mortgage is a golden opportunity to lock in today's low interest rate for the next 15 or 30 years. While interest rates now are still low, there's a good chance they will be heading up in the coming months. The Fed won't maintain the current bond purchasing level forever, and just a...
10/25/2013
If you are looking to buy a home, you might be wondering whether you should be looking for properties that are right in the center of the city or property in a rural area a short drive away. The rural or urban decision will ultimately be up to you, as there are advantages and disadvantages to eit...
10/23/2013
Existing home sales for September fell by 1.90 percent from August's revised reading of 5.39 million sales to 5.29 million sales. Economists had expected 5.30 million sales for September, so a slow-down in existing home sales had been anticipated. The National Association of REALTORS cited higher...
10/23/2013
Click this link to be directed to: http://twincitiesmaze.com/ Times' a running out fast!!!! Open every Weekend Sat. & Sun. September 21st to October 27th 2013. All the Info: you need is at the Website:    
10/23/2013
The kids are back in school, the weather is getting cooler and your yard is covered in a layer of fallen leaves. Yep, it's that time of the year again, but don't think of fall leaves as a chore. They can be a useful resource for fertilizing your lawn or even decorating your home for autumn. Finis...
10/18/2013
The National Association of Homebuilders/Wells Fargo Housing Market Index dropped two points to 55 from September's revised reading of 57. Builder concerns over labor costs and availability and economic uncertainty related to the federal government shutdown were noted as factors contributing to t...
10/18/2013
You may have heard the term Private Mortgage Insurance when looking to finance real estate. What is PMI, and how do you know when you need to purchase it? The answer can be hard to find among all the real estate jargon you're hearing lately. Below is the short version of what you need to know. Wh...
10/17/2013
By the time you get to the final walkthrough on your property, the home buying process is almost complete. However, it is still important to pay close attention to this final step, as it will be crucial in the success of your home purchase. The final walkthrough is your last opportunity to ensure...
10/17/2013
Rainmaker
247,859

David Kosmecki

Ask me a question
*
*
*
*
Spam prevention