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Mortgage and Lending - Capitol Mortgage Corporation
What is on your mind? I like to learn from others in the industry. Thoughts, opinions and important information are what you should find. Please comment I have thick skin.
Congratulations! You have decided to take the steps to become a homeowner in today's market. This is no small task and it can be overwhelming. Many new buyers start there search online on their own. In fact 82% of buyers start their search online. I understand that you do not want to be sold or ...
The market is phenomenal and the opportunity to buy a home is now. Many of you are taking advantage of the opportunity and that is amazing. Warren Buffet said, "We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful."  Many of you are listening. The t...
The very first thing that a buyer should do when considering  a new home purchase is contact their Mortgage Broker or Banker and get pre-approved. However, many times this is not the case. Many times buyers see a home that they like either by driving buy it or searching on-line. This home sparks ...
Buying your first home is such an exciting time. There are so many things that will take place in such a short period of time. Each and every step of the process is a function of the process. The word Process can make the home-buying experience sound like such a difficult painful task. By definit...
We are taking a moment today to step outside of the normal content of this blog to discuss something that we think is very relevant to your mortgage needs. I heard a lot of the content from a man named Jim Burns who is an author and it made me think of our industry right now. The pain of regret i...
Fannie MAE and Freddie Mac have gone to risk based pricing. This is not new news as loans have always been priced and approved based on levels of risk. When you as a consumer are looking to be financed the lender is evaluating three things. We refer to them as the three c's. Credit - this is your...
The new version of the Tax Credit has been released and is expected to be signed into law as soon as today. This tax credit will give first time home-buyers up to $8,000 as  credit when they file their taxes. The newest version does not require the credit to be repaid. The first time home-buyer w...
Several Months ago I wrote the blog that I have pasted below. I wanted to take a moment to revisit that blog because I have seen some change. Locally I attend our MLS marketing meeting on a weekly basis. I have been doing this for the last year. In the last four months or so I have noticed that t...
As you all know there has been an increase in applications in the recent months. Much of the increase can be attributed to a drop in the rates that open the floodgates for Streamline FHA refinance activity and rate and term refinancing activity for those with equity. Many wholesalers that were 2-...
The alarm is going off and it is 5am in the morning. I reach over to hit snooze and I cannot find the alarm. That is right I use my smart-phone as my alarm these days. It is sitting across the room on the dresser. I get up to go turn off the alarm and grab my honey. It is 5 am remember and my eye...

Matt Freeman

Broker- California Mortgages
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