Santa Clara County Home Prices Reach An All Time High

In April 2017, the median price for single-family, re-sale homes in Santa Clara county climbed to $1.16 million, which is a new all-time high. The median price for condos/townhomes crossed $700,000 which too, is a new all-time high. Median price means half the homes sold for a higher price and half of them sold for […]

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Reduce Interest & Pay-Off Mortgage Faster – All In One Loan

Do you want to reduce interest cost, pay off your mortgage faster without making a significant difference to current spending or saving habits? If your answer is yes, then the revolutionary new loan, called “All in One” is your answer. The two biggest problems with conventional mortgages are: The majority of the payment in the […]

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[Video] 5 Things You Need To Know About The Fed Rate Hike

Fed recently raised the funds rate by .25% to 0.75% to 1.00%. But what does that mean and how does it impact you? Watch the video..

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Mortgage Rates Reach Their Highest Levels In Three Years

Mortgage rate spike that started after the presidential election results has now gone into the overdrive. Today, the rates reached their highest level in almost three years. The impending Fed rate hike coupled with fear of rising inflation has pushed the mortgage-backed securities (MBS) yield lower. MBS prices and mortgage rates have an inverse relationship. Lower […]

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FHA Loans Insurance Premiums (MIP/PMI) – Rates + Calculator

Ultimate guide to Upfront and Monthly Mortgage Insurance Premiums (MIP/PMI) rates for FHA purchase loans and (streamline) refinances. FHA charges both an upfront mortgage insurance premium and monthly mortgage insurance on almost all the loans it insures. On December 23, 2011 the President signed into law Temporary Payroll Tax Cut Continuation Act of 2011 which […]

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FHA Loans Streamline Refinance and Rates- A Complete Guide

What is FHA Streamline Refinance? Refinancing of a current FHA insured loan into another FHA insured loan is called an FHA Streamline Refinance. The mortgage to be refinanced must be current (not delinquent). Not all FHA to FHA refinances are streamline in nature. Is there a minimum waiting period before which you can do a […]

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FHA Loans Requirements, Guidelines, Limits and Mortgage Rates – Ultimate Guide

Find out about requirements (including credit scores), guidelines, rates, loan limits, how to qualify and how to apply for an FHA Loan. This post is limited to qualifying for FHA loans as a home buyer – First Time or repeat. Click on this link if you are interested in reading about FHA Streamline Refinance. What […]

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Get Your Offer Accepted in a Seller’s Market

Even with a minor slow down in home sales during recent months,  desirable properties are still getting multiple offers. Make no mistake, we are still very much in a seller’s market. Available housing inventory ranges from low to non-existent in many neighborhoods. With low mortgage rates still pervasive and rapidly increasing home values – buyers […]

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Conforming and FHA Loan Limits Finally Raised for 2017

Fannie Mae, Freddie Mac and FHA have always had maximum loan amounts for loans they secure or insure respectively. In regards to Fannie Mae and Freddie Mac, they are restricted by law to purchasing single-family mortgages with loan balances below a specific amount, known as the “conforming loan limit.” Loans above this limit are known […]

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Mortgage Rates Reach The Highest Level Since January On Trump’s Election

Donald Trump’s stunning presidential election win hasn’t just spooked the poll pundits, it has spiked mortgage rates too. And the spike is fairly substantial. Between Wednesday, Thursday and Today (Market being closed on Friday), mortgage-backed securities have lost a whopping 236 basis points (bps). And we are not even done for the day (see the […]

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