California Home Loans-Purchases-Refinances

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Mortgage and Lending - Oak Valley Mortgage-California Home Loans and Refinancing
California Home Loans-Purchases-Refinances California Home Loans
RECENT BLOG POSTS
Ok, so I'm in Southern California right now on a combination of business and pleasure. I moved to Southern California (Orange County) in 1990 and the traffic at the time was moderate. After going away to college in Northern California (Chico) and coming back down to Southern California to visit, ...
09/30/2006
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Being in the new "buyers market" that we are in, I have heard some interesting stories from agents that I work with. There are "potential buyers" that go out into the marketplace and shop for homes, with no intentions of really purchasing a home, kind of like "window shoppers." In fact, some of t...
09/30/2006
So yesterday was a great day for me and my family. We got to experience our first 4 dimensional ultra sound..All I have to say is, "WOW!" To see little fingers,toes,lips and so on, it reminds you of the important things in life. It is so easy to get caught up in the daily activities of the Real E...
09/29/2006
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A new era has come to the Real Estate industry. What is it? Ummm yeah, the Internet. And what does that mean? Home seekers are becoming more witty, being able to get information about properties even faster than a lot of the real estate agents that are out there! Many home buyers fail to look at ...
09/26/2006
This was the top of my friends' wedding cake, which I found hilarious. After seeing it though, it got me thinking about a particular topic that I've dealt with in the mortgage business. What happens when 2 people get married and take everything else into consideration before they say, "I DO" exce...
09/25/2006
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The big cats of the lending world have been making it harder over the years for the little fish in the industry. Why? Just watch one of those commercials that makes claims for mortgage products that most people don't even qualify for. And even if you did qualify for that particular loan product, ...
09/25/2006
Today's Real Estate Term of the Day~Arms Length Transactions:Definition- A transaction in which the parties are dealing from equal bargaining positions, neither party is subject to the other's control or dominant influence, and the transaction is treated with fairness, integrity and legality. If ...
09/25/2006
Kiss Private Mortgage Insurance Goodbye California! Kiss private mortgage insurance goodbye California! I've received new announcements this week from multiple investors, stating that they are doing 100% first trust deed loans with NO MORTGAGE INSURANCE! In the past, investors were doing maxed 80...
09/24/2006
 I've been frusterated lately by a new form of unfair lending competition that has been taking place by mortgage companies and larger lenders. After we pull credit reports for our clients, competitors are paying the credit reporting companies to alert them that a "mortgage" inquiry has been made,...
09/23/2006
I live in Chico, California, which is the home to thousands of college students. From time to time, I have high school and college students call me up to ask me questions for a class project that they are doing. I LOVE these calls! To have a child or young adult that has enough in them to call an...
09/23/2006
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Scott Gormley

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