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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

2014 

If you live in a climate where your yard has been hibernating for months, then you're probably ready for warmer weather and a hint of green outside your kitchen window. So, in preparation for children running on lush grass through spritzing sprinklers, use the five tips below to get your lawn rea...
03/28/2014
Harsh winter weather conditions contributed to home prices falling in January. The S&P Case-Shiller 20-City composite index reported that home prices dropped by 0.10 percent in January, but after seasonal adjustments, home prices increased by 0.80 percent in January as compared to December. 12 of...
03/28/2014
It can be pretty intimidating to dip your toes into the realm of home ownership, especially if you're a first-time homebuyer. To make things worse, there are a number of myths floating around out there surrounding the home buying process. Such misconceptions have many kept many would-be homeowner...
03/28/2014
The Federal Reserve's Federal Open Market Committee met last week and Janet Yellen held her first press conference as Fed chair. According to the FOMC statement released after the meeting, the Fed cited severe winter weather conditions as a reason for slow economic growth in recent months. FOMC m...
03/28/2014
Spring is around the corner, and it's time to get your home in order! Spring cleaning can be fun and easy if you follow some general guidelines, which are sure to get your home ready for the nice weather and looking as beautiful as the weather is about to. Kick the winter clutter to the curb with...
03/28/2014
Spring is here, and the National Association of Home Builders Housing Market Index (NAHB HMI) thawed slightly in March. The current reading of 47 is one point higher than for February, but still indicates pessimism among a majority of builders surveyed. Analysts expected a March reading of 50. Th...
03/20/2014
So you are thinking of refinancing? Well you are in luck because I have 4 quick and important questions you should ask yourself before doing so. 1) Do I Have Enough Equity To Get A Mortgage? To get a conventional loan, you will usually need to have at least 20 percent equity. This means that you...
03/20/2014
For those of us who have a mortgage, we know very well how stressful it can sometimes be to make the monthly payment on time. And then for some of us, late payments are inevitable. In fact, in 2013, from October to December, a whopping 3.85 percent of homeowners were behind on their mortgage paym...
03/20/2014
You're ready to make some changes to your home, but you want to be smart with your money and see a positive return on your investment. While most homeowners don't see that return until they sell their home, you can start seeing the benefits now through conserving energy by making your home green....
03/20/2014
Being a homeowner is exciting. It can be financially rewarding, too. Unfortunately, it can also put you in a tough legal position. Between the complexities of owning a house, having to deal with lenders and the risk that comes from owning something valuable, keeping yourself legally protected is ...
03/19/2014
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David Kosmecki

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