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• 15-year fixed mortgages drop to record lows
• 17% of young homebuyers regret their purchase, Zillow survey shows
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• 2020 may be a good time to build a granny flat
• 30-year fixed-rate nears 3% for first time in 6 months
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• Act now to avoid interest-rate spikes
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• Applications surging for 15-year mortgages as rates plummet
• Appraisal Waivers
• Are appraisal waivers good news or bad news?
• Are banks trying to squeeze out mortgage brokers?
• are lenders doing enough to prevent mortgage fraud
• Are points still deductible
• At 2.72%, 30-year mortgage rates hit 13th all-time low of the year
• bailout
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• Banks should match rate discounts for low-wealth Blacks
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• Below 4% for first time in 18 months
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• Bidding wars, outdated appraisals hamstring first-time homebuyers
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• California homeowners can get up to 10 months to make up missed payments or sell
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• Can coronavirus sicken our healthy housing market?
• Cash-out refinancing, home equity lending may come to a halt
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• Coming soon to your refi: A half-point fee that could add $2,500 or more to costs
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• Coronavirus may drive mortgage rates to new lows
• Could fannie and freddie soon have competition
• COVID pandemic helps push mortgage rate down 35% in 2 years
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• Fannie and Freddie help ditch Mortgage Insurance
• Fannie and Freddie impeding ARMs
• Fannie and Freddie
• Fannie, Freddie appraisal secrecy hurts first-time buyers
• Fannie, Freddie extend COVID-19 forbearance up to 15 months
• Fannie, Freddie high-cost loan limits raised to record $765,600
• Fannie, Freddie reap billions from ‘adverse market’ fee
• Fannie, Freddie’s old FICO standards squeeze millions of would-be homebuyers
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• first decline in a month 2018
• /first-home/
• First time ever: Standalone fixed-rate second mortgages allow 100% cash-out
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• High-balance loan limits to soar to record $822,375 in 2021
• Highest Sustained increases in 40 years
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• How Are We Doing?
• How low will fixed-rate mortgages go?
• How many refinances are you allowed during a pandemic?
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• Low mortgage rates trigger more loan applications – and longer delays
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• Mixed economic signals could spell a choppy housing market ahead
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• This mortgage exec’s opposition to Quicken Loans is a head-scratcher
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• Mortgage originators get high marks from borrowers
• Mortgage payment forbearance must be expanded
• Mortgage prediction for 2020: a 30-year fixed at 2.875% without points
• Mortgage qualifying rules get creative
• Mortgage rates for borrowers with damaged credit are dropping
• Mortgage rates lowest in 3 years; Fannie, Freddie lower income requirements for downpayment program
• Mortgage rates rise sharply from last week’s record low
• Mortgage tech show pt II
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• New FHA cash-out refi rule curbs financing for moderate-income borrowers
• New FICO scoring model focuses on 24-month look back
• New Frontier of Mortgage
• New law expands California’s homestead equity protection to $600,000
• New mortgages predicted to break all-time record in 2021
• New program offers hard-money mortgages at half the rate
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• Prediction: Home values will drop by 25% to 50% in decade ahead
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• PROP 19 CREATES CONFOUNDING QUESTIONS, GOTCHA RULES
• Proposed self-employment mortgage act will allow risky loans
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• Rates level off at 4.5 2018
• Rates near 5%
• Real estate agents as appraisers is risky
• rebates to borrowers
• recession looming
• refi mania
• Refi opportunities revive as 30-year mortgage rate drops to 3.82%
• refinance activity
• Regulator ends debt-ratio standard for mortgage approvals
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• Reverse mortgages available to borrowers as young as 60
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• rising
• Risky mortgages back 10 weeks after dramatic crash
• Robots could replace loan officers in the future
• room addition
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• Sales slowdown gives home buyers more leverage
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• Self-Employed borrowers best rates
• Self-employed borrowers face new scrutiny from Fannie, Freddie
• Self-employed landlords battle harder for home-loan approvals
• several
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• Should credit bureaus sell your data when you apply for a mortgage?
• Silent Second
• Slowdown creates opportunity for first-time buyers
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• Small borrowers, pot providers and gun dealers need more access to lending
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• Southern California mortgage brokers suspected in fraudulent loan applications
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• State Regulators don't second guess low-ball appraisals
• Stated income standards
• Stated Income
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• Super-low mortgage rates: A blessing or ominous sign of next housing downfall?
• Survival for some mom and pop landlords hangs in the balance
• Sweat Equity
• Tariffs recession spell end rising mortgages
• Tax bill due in April
• Tax credits could help foreclosure victims buy homes again
• tax
• Those working in battered industries may not get their mortgages approved
• tick
• time to unheloc
• tips easier
• Tips for landlords going without rental income
• too late
• Top 10 predictions: More rate drops in store for 2021
• Top 3 mortgage approval obstacles in the COVID-19 pandemic
• travel
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• up to 85% cash-out
• VA offers $50,000 for renovations
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• vanish
• Virus-impacted borrowers missing out on today’s record-low rates
• Volatile coronavirus and no stimulus means lower mortgage rates ahead
• volume
• wait
• Want to be a landlord
• wary
• What’s driving this week’s spike in mortgage applications?
• Why are the lowest mortgage rates so hard to capture?
• Wildfire Victims
• Will coronavirus outbreak slam U.S. home prices?
• Will Fannie and Freddie comply with new privacy law?
• Will foreclosures explode once the moratorium is lifted?
• Will home values tank post pandemic?
• Will mortgage servicers get a Hail Mary line of credit like borrowers?
• Will new granny flat laws ruin nice neighborhoods?
• Wraparound mortgages can help home sellers boost their prices

Mortgage Library

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• Improve Credit Score
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• What is a VA Loan
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• Refinance Cost
• Refinancing Before Moving
• What are Loan Points
• Late Credit Card Payments
• Choosing Lender
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• Lock Interest Rate
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• Credit Impact on Loan Qualification
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• What is an FHA Loan
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• What Can I Afford
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• Determining Property Market Value
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• What is an Appraisal
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• Avoiding Foreclosure
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Blog

• Blog - Navigating the Mortgage Rate Dilemma: Should You Wait or Buy Now?
• Blog - Balancing Act: The Art of Compromise in Home Buying
• Blog - How will house hunters find and buy homes, post-NAR settlement?
• Blog - Navigating Home Buying with Elevated Mortgage Rates: 10 Mistakes to Avoid
• Blog - Housing market malaise hasn’t cut options for equity rich homeowners
• Blog - Don't Wait Another Minute: Here's Why NOW is the Perfect Time to Buy Your Dream Home!
• Blog - NAR settlement creates daunting challenges for homebuyers, agents
• Blog - Second Time's the Charm: Navigating Your Next Home Purchase
• Blog - Warning signs, including foreclosures, reverberate across housing economy
• Blog - The Smart Path to Downsizing: Making the Most of Your Retirement
• Blog - No relief this year for homebuyers, industry insiders predict
• Blog - "When Should I Consider a Cash-Out Refi?"
• Blog - Can’t afford to buy a home? Here’s a plan of action to make it work
• Blog - Mortgage Partnership: The Power of Co-Signing on a Mortgage
• Blog - How no-cost mortgages save buyers money when rates come down
• Blog - Navigating Home Inspections: A Buyer's Guide to Uncovering Hidden Issues
• Blog - 10 creative ways to income-qualify for a home loan
• Blog - Mastering Your Mortgage Journey: The Importance of FICO Score 8
• Blog - Cash-strapped, 55-and-older homeowners can weigh no-payment reverse second
• Blog - Navigating the New Norms: 4 Rules for Home Shopping in Today's Market
• Blog - How Declining Mortgage Rates Are Changing the Real Estate Landscape
• Blog - How a bridge loan can help homebuyers avoid dreaded contingency
• Blog - Navigating Closing Costs with Confidence: 4 Tips to Save on Your Home Purchase
• Blog - Should homebuyers consider an Attorney Opinion Letter to reduce closing costs?
• Blog - Navigating the Mortgage Maze: 10 Crucial Do's and Don'ts After Applying
• Blog - Freddie Mac adds California programs to its down payment assistance website
• Blog - Joint Homeownership: The Essentials of Co-Borrowing on a Mortgage
• Blog - With credit card debt rising, homeowners can borrow to ease payment pain
• Blog - Smart Moves in New Builds: Your Guide to Successful Homebuying
• Blog - Navigating the Renovation Maze: Mortgage Insights for Fixer-Upper Buyers

Loan Officers

• Jeff Lazerson
• David Martins
• Janet Kim
• Stephen Mosher