Fed, Lies and Mortgage Rates

There have been a string of striking turnabouts by Fed officials in recent months that have whipsawed mortgage backed securities (MBS) markets. Who Said What and the Impact on Mortgage Rates May 22, 2013 – Federal Reserve Chairman Ben Bernanke answered Congress’s questions about when the central bank might begin to slow down its monetary […]

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Government Shutdown Will Delay Loan Closings

Its finally here, not that anyone was wishing for it. A flurry of moves by the House, Senate and White House late Monday night failed to break a budget standoff over President Obama’s health care law, setting in motion the first government shutdown in nearly two decades. The shutdown means that 800,000 federal workers will […]

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Home Warranty: Learning the Basics

Why you need Home Warranty? For many new owners, this is a great way to gain peace of mind about problems that they used to call the landlord to fix; ones that often aren’t covered under their homeowner’s insurance. But make sure you read your contract carefully to see what is covered, and the company […]

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Home Owner’s Insurance: Why you should and need to get one

Most lenders will require that you have homeowners insurance in place before the closing. This is also be called hazard insurance because it covers natural disasters like fire and storms, and theft. Why do you need insurance for a house? The lender won’t fund the loan on a property that isn’t insured, and the lender […]

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Buy A Home One Year After Foreclosure, Bankruptcy or Short Sale

If you had a Foreclosure, Bankruptcy, Short Sale or a Deed in-lieu – you may now be able to qualify for a mortgage to buy a home one year after that incident. Federal Housing Administration (FHA) recently announced “Back to Work” loan program that would help some borrowers in California and rest of the country […]

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First Time Home Buyer Free Web Workshops

As part of Home Ownership Workshop (HOW) for first time home buyers, I am conducting a series of four webinars where I will talk about all aspects of home buying. The entire series is free. Find below the topics I would be covering along with a link to register for each of them. If you […]

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The ABC’s of Home Inspection – What’s Included, What’s Not?

What is home inspection? A home inspection- is a limited examination of a home’s condition and is done when a home is put on the market for sale. State Laws do not require to have a home inspection or the number of inspectors you should bring. But even if the seller has done an inspection […]

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Home Ownership Basics: Ways to Hold Title

Title to real property may be held by individuals, either in Sole ownership or in Co-ownership. Co-ownership of real property occurs when the title is held by two or more persons. There are several variations of how a title may be held in each type of ownership. The following brief summaries reference seven of the […]

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Demystifying the Home Purchase Contract: Understand the Nuances

The process of purchasing a home is often much more complex than the average individual expects it to be. Items involved in your purchase contract can have a significant impact not only on the success of your purchase transaction, but on your stress level as well. Below, I have listed out some of the important […]

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FHA + CHDAP = 0.5% Downpayment Loan For CA First Time Home Buyers

By combining an FHA loan with California Homebuyers Downpayment Assistance Program (CHDAP), First Time Home Buyers in California can buy a home for as less as 0.5% downpayment. Here’s how it works: We do FHA Loan as the first mortgage of 96.5% Loan-to-Value Ratio (LTV) and combine that with 3% second mortgage provided as part […]

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