Dennis Hensling's (dhensling) Blog

It was another difficult week for the economy and the financial markets. Amid dramatic intra-day fluctuations (which have now become the norm), stock prices fell back to their late October lows, recovered partially, but ended the week lower by 6.2 percent overall on the S&P 500. Non-US stocks fel...

I am often asked why I choose to live in Southern California when all you hear about in the media is our wildfires, earthquakes and the housing debacle. I can sum it very simply. It is still one of the greatest places in the world to live. You can be at the ocean in the morning surfing, drive two...

I am often asked why I choose to live in Southern California when all you hear about in the media is our wildfires, earthquakes and the housing debacle. I can sum it very simply. It is still one of the greatest places in the world to live. You can be at the ocean in the morning surfing, drive two...

The temporary loan limits associated with the 2008 Stimulus Package come to an end on December 31st. The problem is even though they expire at the end of the year most lenders are forcing buyers to fund these loans by December 10th. The reason being is that these loans need to be purchased by Fan...

In the midst of all the turmoil the markets are experiencing, the one bright spot is the return of the first time buyer. The drop in home prices coupled with historically low interest rates is helping thousands of people realize the dream of home ownership. All you hear is the negative rhetoric o...

Just when you thought there was no Jumbo Money, it's back! I have a special commitment for Jumbo Loans to 75% LTV & 90% CLTV to $3 million. This commitment is only valid for California. Feel free to call with any questions. I also have stated income loans available. This is a limited time offer a...

CONFORMING LOAN LIMIT FOR U.S. TO REMAIN $417,000 IN 2009; DIFFERENT LIMITS IN SOME AREAS - The Federal Housing Finance Agency (FHFA)  announced the conforming loan limit will remain $417,000 for 2009 for most areas in the U.S. but specified higher limits in certain cities and counties. The conf...

Does it feel like you are working harder for less? That there is always one more condition that you or your clients have to meet? You are not the only one who feels this way. It is how we deal with this extra burden that will ultimately determine our success during these difficult times. Most peo...

  This is a great alternative to the standard FHA program most First Time Home Buyers are forced to use. The major benefit is there is no Mortgage Insurance! It is paid by the Lender. This is a limited time program so act fast to see if you qualify for this program. Please read the disclaimer at ...

Most people I speak to think loans are unavailable. That is just not the case. There are many different loan programs available including stated income and low down payment options.  Is it harder to get a loan? Absolutely. You must be prepared to bear your soul to the underwriter. The deal has to...