Fremont Mortgage Lender- Get Rate Quote For Refinance or Purchase

Looking for a top rated Fremont,CA mortgage lender/company to get a no closing cost rate quote for refinance or home purchase? You have reached the right place. Arcus Lending is a direct lender and has been featured on several national media like NBC, CBS, FOX, ABC, Yahoo! News among others. We have a perfect 30/30 […]

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FHA to Hike Mortgage Insurance Premium, Prevent MI Cancellation

Federal Housing Administration (FHA) said it will hike mortgage insurance premium (MIP) again. Its also setting in place regulation that will prevent all new borrowers to cancel their mortgage insurance premium even if the loan-to-value requirement is met during the life of the loan. This was announced in the FHA press release issued on November […]

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From $900 billion to $1.7 trillion – Mortgage Origination Breaks All Predictions in 2012

Mortgage Bankers Association (MBA) is now predicting that the mortgage origination volume for 2012 can exceed $1.7 trillion. This is almost double of what they predicted before the year began – a meager $900 billion. Quarterly Data Report and The National Mortgage News are forecasting $1.75 trillion in fundings this year, 70% of which will […]

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Key Tax Issues After The Presidential Elections – Romney and Obama Wont Tell You This

Whatever the outcome of the presidential election on Nov. 6, the next Congress and president will face a pile of unfinished tax business. Some of this stuff has been lying around since 2010, and dealing with it can’t be postponed much longer — just ask the beleaguered Internal Revenue Service personnel who can’t get any […]

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California Mortgage Rates Edged Up Again Last Week

30 Year Fixed and 15 Year Fixed Mortgage Rates continue to edge up for California Refinance and Home Purchase borrowers. In the latest Freddie Mac survey, the 30 Year Fixed rates are at 3.41% with 0.7 points up from 3.37% last week. The 15 Year Fixed rates are at 2.72% with 0.6 points, up from […]

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Is Qualified Mortgage Rule Biggest Risk To Real Estate Recovery?

Banks are talking about it, Credit Unions are talking about it, Loan Officers are talking about it, heck even the President and wanna be President are talking about it. Not too many people know exactly what it is and how it will pan out – but one thing is for sure, it definitely has the […]

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Average 30 Year Fixed Mortgage Rates Continue To Be Under 3.5%

Both Freddie Mac and BankRate.com in its latest survey announced that the average 30 Year Fixed mortgage rates continue to be under 3.5%. While Freddie Mac reported a rate of 3.37% with 0.7 in points, BankRate.com reported 3.46%. Per Freddie Mac, rates went down 3 basis points from last week while Bankrate.com rates actually went […]

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How to Build a Good Credit from Scratch

Establishing a good credit history has never been as important as it is today. It’s not just that you’ll need good credit to get decent rates when you’re ready to buy a home or a car. Your credit history can determine whether you get a good job, a decent apartment or reasonable rates on insurance. […]

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Dos and Don’ts during your California Mortgage Loan Process

It is very tempting to start thinking about decorating your new home the moment you initiate the mortgage process. But as a Lender, there are certain things I caution my clients against to ensure their California mortgage gets approved smoothly. When you fill out a credit application, they run a credit report for the underwriter. […]

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How to De-mystify Mortgage Rate and Become a Better Rate Shopper

Shopping for the best Mortgage rate possible has always been the primary objective when borrowing a home loan. As well it should be! The challenge with this strategy is that there is much misleading information released on the subject by various media. Internet web sites and email marketing, along with other media such as radio, […]

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