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

2014 

With the prices for everything skyrocketing these days, every penny counts. This includes your homeowner's insurance costs. If you're thinking of buying a home and need homeowner's insurance, here are a few tips on getting quality insurance for a fair price: Tip #1: Shop Around: Ask family and fr...
06/23/2014
Understanding your credit score and how it impacts your home ownership prospects your credit score is an important part of your financial profile. It has a direct impact on your ability to take out loans. The score itself is a numerical reflection of your credit history. It gives lenders a way t...
06/23/2014
The decision to install a pool is generally one that is applauded by at least certain members of the family. Whether you have children or not, however, having a pool at home is certainly something you can enjoy for yourself. But what if you don't think your yard is particularly suited to a pool? ...
06/23/2014
Too often, home buyers are disappointed when they find their dream home only to discover they are not able to get a mortgage to purchase the property. There are methods that potential buyers can use to ensure this does not happen to them. One of these options is to ensure you obtain a pre-qualifi...
06/18/2014
Purchasing an investment property is one of the most important decisions that you'll ever be a part of. As such, it's a necessity to make your decisions with only the most careful of consideration. Here are the six tips that you need to heed in order to ensure that you don't get fleeced. Find The...
06/18/2014
If you are an entrepreneur or a small business owner, you probably know that there are a lot of advantages to this lifestyle - the freedom, the exciting challenges, the opportunities and the ability to make a living doing what you love. However, you also know that being a small business owner can...
06/18/2014
Growing a home garden creates beauty, oxygen and even food for our families to enjoy. If you're looking to get more from your home garden, here are four easy ways to improve a green thumb. A Good Foundation For Your Garden: Good soil is the foundation of a healthy garden. By using quality soil, y...
06/17/2014
Buying newly constructed real estate isn't much different from buying an "already used" home. What variances there are, however, can make all the difference between buying a diamond or a lemon.  Here are a few tips to keep in mind when buying new construction: Tip #1: Don't Use The Builder's Sale...
06/17/2014
April's meeting of the Fed's Federal Open Market Committee was held along with the Board of Governors of the Federal Reserve System. Meeting minutes released Wednesday indicated the committee's interest in "normalizing" its monetary policy. This included the FOMC's ongoing commitment to tapering ...
06/17/2014
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