California Home Loans-Purchases-Refinances

I've been use to sharing the capped out 5 blog posts a day, now AR has changed it to 3 for receiving points...Are there too many people blogging in the system and they need to calm things down? I don't get it....Signed...Blogoholic

I have a question for all you Realtors and agents out there....How important is the Realtor(agent)/Lender relationship to you?I'm curious to know how it ranks in your business and the things that are most important to you in that relationship. I've been pondering for some time now about what I ca...

NAR's Call for Action!!! IMPORTANT: 2 NEW CALLS FOR ACTION NEED YOUR SUPPORT.  CONTACT YOUR SENATORS NOW AND TELL THEM TO PASS SMALL BUSINESS HEALTH PLAN LEGISLATION THIS YEAR!!! HAVE YOUR HOUSE MEMBER ENCOURAGE THEIR LEADERSHIP TO WORK WITH THE SENATE SO THAT WE CAN GET THIS LEGISLATION PASSED!!...

Hey Google, Archive This! Here's a great sign for all of us! Google is obviously starting to take notice of Active Rain, because when you type in my business, the AR link comes up as number 3! Just for the heck of it, I have typed in multiple searches for our local mortgage market and Google has ...

I pose this thought of the day, "How important is it to have a Realtor/Lender connection?" Is it all that it is hyped up to be? What do Realtors and agents REALLY look for in a lender?What can we do to make it more of a Win/Win relationship?I think this is a VERY IMPORTANT topic and I would like ...

Credit Report Frequently Asked Credit QuestionsQ: How can I increase my score?A: While it is difficult to increase your score over the short run, here are some tips to increase your score over a period of time. Pay your bills on time. Late payments and collections can have a serious impact on yo...

Zero Point/Zero Fee Loans (Part 2) What are the benefits of a zero-point/zero-fee loan?The main benefit is that you have no out-of-pocket costs. As a result, if the rates drop in the future, you could refinance again even for a small drop in rates. So if you refinanced on the zero-point/zero-fee ...

Zero Point/Zero Fee Loans Explained What happened to the conventional wisdom of waiting for the rates to drop 2% before refinancing?You have a 30-year fixed loan at 8.5%. A loan officer calls you up and says they can refinance you to a rate of 8% with no points and no fees whatsoever.What a dream...

Should I Pay Points?The best way to decide whether you should pay points or not is to perform a break- even analysis. This is done as follows:1.) Calculate the cost of the points. **Note: 1 point is equivalent to 1 percent of the loan amount. Example: 2 points on a $100,000 loan is $2,000.2.) Cal...

Mistakes to Avoid (Part 3) Signing documents without reading them.Whenever possible, review in advance the documents you will be signing. (Even though some specifics of your transaction may not be known early in the transaction, the documents you will sign are standard forms and are available for...