30 Year Fixed vs. 15 Year Fixed – Which One Makes More Sense?

If you are planning to get a purchase or refinance loan in California, this post will help you decide between a 30 Year Fixed and a 15 year Fixed mortgage. Benefits of a 15 Year Fixed Mortgage Huge savings in interest cost: The biggest benefit of a 15 year fixed loan is the amount of […]

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[Infographic] The Ultimate Guide To Home Insurance

Home insurance is a $70 billion industry. According to a recent report, 95 percent of homes in the U.S. are insured. There are a number of benefits associated with home insurance. For homeowners, having a home insurance policy means being able to recover from financial blows that often arise as a result of natural disaster […]

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10 Myths About California Reverse Mortgages Busted

Below are common myths that are important for you to be aware of as you investigate the benefits of Reverse Mortgage in California or rest of the country. Myth 1: I’ve heard I won’t qualify for a reverse mortgage because of my limited income. Fact: False. Most traditional mortgages require income qualifications and a monthly […]

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Mortgage Rates Trend Lower – Opens Short Window For Refinancing

Mortgage rates for California and rest of the country continue to trend lower. Its at a point where a 30 Year-Fixed rate under 4% can again be a reality. Last week mortgage backed securities (MBS) improved 95 basis points. Whenever MBS prices go up, mortgage rates go down. Weaker than expected Employment data caused a […]

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After The Shutdown, What’s In Store For Mortgage Rates?

The government shutdown has come to an end, but how does the House’s last minute deal and the post-shutdown environment impact mortgage rates? With the debt ceiling stalemate in Washington resolved at least until February 7, 2014, rates could dip in the short term. In fact mortgage backed securities (MBS) climbed 95 basis points last […]

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Bay Area First Time Home Buyer Seminar At ICC, Milpitas, CA

If you are thinking of buying your first home in the Bay Area, you don’t want to miss this free event. I am leading a panel discussion titled – “How to buy your first home in the Bay Area”. The seminar is on October 27th, 2013 at 3:00 PM. The event is hosted by India […]

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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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