California Home Loans-Purchases-Refinances

 We just moved into a new community and it has been an amazing experience so far. The vibe that you get off of a new development can be pretty cool! The home is a "starter home community", with new young families that are in the same boat as us. New mommies walking down the streets together with ...

Here is a common misconception that many believe to be true! Since your debit card has a VISA, MASTERCARD or other major logo, you are improving your credit. This is not true! Debit cards do not get reported to the credit agencies like true credit cards do. I feel that this is one of the biggest ...

One of my favorite books is Think and Grow Rich by Napoleon Hill. In th book he states, "Anything that the mind can conceive and believe can achieve." How true! All thoughts do start with an idea. This is why I love networks and websites such as Active Rain, where you can muster up new ideas from...

I've learned over the course of time that the entire Real Estate process, whether a person is purchasing, selling or refinancing a home has many emotions on the table. Sometimes, clients will get frusterated with the performance of an agent or loan officer and crosses the line with you. How so? I...

I'm sure both consumers and Real Estate professionals can identify with this topic, "Signing Loan Documents!"Have you ever looked through an entire set of disclosures and gotten lost on sentence 2? I believe that the documents are designed in such a way that they know by human nature, you won't r...

This blog has nothing to do with Real Estate, but, it's my way of letting people know that I'm an actual human and not just a Real Estate, blogging robot. Or even better than that, a Real Estate Professional that pays someone else good money to blog for them. Imagine that, paying someone else to ...

 "Grow A Future"ATTENTION CHICO, CALIFORNIA RESIDENTS!Are you interested in attending an awesome and FREE Financial Workshop?When: Saturday, October 21st 2006 between 11am - 2pmWhere: California State University, Chico Room: BMU 210This event is sporsored by Delta Sigma Pi, a Professional Busines...

 Mon Oct 16th Market DirectionRates areMoving slightly lower Rate VolatilityLow Interest Rate TrendsLong Term (4-6 weeks)Up Short Term (1-2 weeks)FlatMortgage Point ChangeSecurityChange30 Year Fixed-.115 Year Fixed-.1 U.S. Treasury RatesSecurityChangeYield30 YR Bond-.024.91%10 YR Note-.024.78%Nat...

I have noticed a new trend with California home builders, many of them are offering bigger incentives to buyers to buy their new homes. As of recent, I saw a commercial that proclaimed, "no payments for the first 6 months!" The builder was Centex homes and I called the phone number for details. T...

 So I got a funny email tonight...It's funny how your advertising works out sometimes. I advertise on the bottom page of every page of the local coupon guide in our area. When the person called, I answered the phone as my typical "Oak Valley Mortgage, this is Scott." It caught both of us off guar...