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 

Everyone wants their pipes to last as long as possible, but there are a couple of simple problems that might be sucking the life out of your plumbing. Long-term stress is the enemy when it comes to your water system. The three most common enemies are high water pressure, mineral-laden hard water,...
01/31/2014
According to the S&P/Case-Shiller 10 and 20-City Home Price Indices released Tuesday, the U.S. Housing Market is on a roll based on year-over-year increases in average home values, but month-to-month results were mixed. The 10 and 20-City Home Price Indices showed year-over-year growth of 13.80 a...
01/30/2014
As a society, it seems like we've gotten away from appreciating our homes for their emotional and sentimental worth. Instead, we focus solely on their monetary value.  An Appraiser Can Estimate A Home's Monetary Value, But To Gain A True Concept Of Your Home's Worth, You Must Also Take Into Consi...
01/30/2014
The NAR provided great year-end news as existing home sales in December pushed 2013 sales of existing homes to a 7 year high. December's reading of 4.86 sales of pre-owned homes came in at 4.87 million on a seasonally adjusted annual basis. Although projections had been for 4.89 million sales, th...
01/28/2014
The kitchen is one of the most important rooms of your home. It is where you prepare all of your meals and it is often a hub of family activity. When you host a party, the action often ends up in the kitchen. Where drinks and snacks are enjoyed into the early hours of the morning. It's crucial th...
01/28/2014
Houseplants are great for decorating. They can brighten up any room. Plus, houseplants can increase the air quality in a room. That makes you happier, healthier and reduces stress. Speaking of stress, these plants won't create any at all. All of the plants on this list are great at producing oxyg...
01/24/2014
After all of the excitement of the holidays, the sparkle of the lights and the over-stimulation of decorations, the rest of winter can seem lackluster. Don't let your home add to the dreariness of the season. Spruce up your curb appeal with the tips below and inspire your neighbors to create well...
01/24/2014
Fannie Mae and Freddie Mac have been in the news quite a bit over the past few years, so it's a good time to do a refresher on who they are and what role they play in the real estate market. Who Are Fannie Mae And Freddie Mac? Fannie Mae is the Federal National Mortgage Association. Freddie Mac i...
01/24/2014
When the holiday season starts and the winter chill comes around, the heating bill at your property will naturally increase as you keep yourself warm and cosy. However, if your home is not being heated efficiently, you are essentially letting your hard earned dollars escape into the air as wasted...
01/24/2014
When you are in the market for a new home, you may be faced with numerous options for financing your home. One of the choices you will have to make is whether to apply for a fixed or adjustable rate mortgage. In some cases, an adjustable rate mortgage may be your best option, but keep in mind, th...
01/23/2014
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