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Should I Pay Mortgage Points?

If you are buying a home or refinancing, you have probably heard about “mortgage points.” This form of pre-paid interest can save you thousands of dollars over the course of your loan but in many circumstances is not worth the upfront cost. How do you know whether to pay points or not? Here’s a quick guide to help you figure it out. What are Mortgage Points? Mortgage points – also known as discount points - are essentially a way to pay some of the interest upfront on your home loan. One point is equal to 1% of your mortgage amount. For example, one point on a $100...

July 18th, 2018 | Purchasing a Home, Interest Rates, Should I Pay Mortgage Points?

4 Things Every Borrower Needs to Know About Mortgage Brokers

Buying a home in California, whether for the first time or the last, is an exciting event. Yet before you even take a look at a single home for sale, it is a smart idea to have your mortgage financing lined up. While it is possible to get a home loan directly with your local credit union or bank, the most common mortgage-makers are mortgage brokers. If you are ready to apply for a home loan, here are 4 things you need to know about mortgage brokers before starting the process. A broker is a middleman Mortgage brokers act as go-betweens for you and many different potential lenders. Instead o...

June 20th, 2018 | mortgage brokers, 4 Things Every Borrower Needs to Know About Mortgage Brokers

What Can We Expect on Interest Rates for 2015?

What Can We Expect on Interest Rates for 2015? While it’s easy to say “it’s anybody’s guess” or “nobody knows the future,” the “Fed” has been giving us forward looking statements on the direction of interest rates since 2008. Before then, it was truly a guessing game as the Fed rarely would give an indication for fear of influencing “The Market.” The Fed says; “The Committee continues to see the risks to the outlook for economic activity and the labor market as nearly balanced.  Inflation is anticipated to decli...

January 29th, 2015 | housing, mortgage, effects of deflation, Federal Reserve, The Fed, effects of inflation, Interest rates, Home Loans, What Can We Expect on Interest Rates for 2015?

Retirees are staying in their Homes Longer!

Retirees are staying in their Homes Longer! According to a recent study by the California Association of Realtors (CAR), aging Boomer’s are planning on staying in their homes, maybe until it’s no longer feasible for either health or financial reasons. If this sounds like you or your parents or loved ones, you might want to consider a Reverse Mortgage from our reverse mortgage division; Assured Reverse Mortgage! What this also means is that fewer resale homes will be coming on the market in years to come. It remains to be seen what if any effect this will have on home prices i...

January 27th, 2015 | reverse mortgage, home loans, Retirees are staying in their Homes Longer!

Will 2015 be better for California’s housing market?

Will 2015 be better for California’s housing market? Number of underwater borrowers shrinks 28.5% for the year According to an article in HOUSINGWIRE, the housing market in California should continue to show improvement in both terms of value and volume. To read the full text of the article click here. While the 2014 market had a slightly lower sales volume than 2013 home prices increased. Information gathered from Zillow suggests that on average home values in California increased 7.8% versus 2013 values. Most Californians can expect their home value to increase between 3% a...

January 23rd, 2015 | housing, mortgage, home, values, ca, Will 2015 be better for California’s housing market?

Seeking Investors for Private / Hard Money Trust Deed projects in Northern, Central and Southern California-

We are a Direct Private / Hard Money Lender in So. Cal. We have over 28 years of real estate lending experience and investing advice to individuals, partnerships, LLC’s, and corporations. We have various Trust Deed investment opportunities from time to time on Apartments, Single Family Homes, Commercial, Industrial and other properties available for real estate and Note investors. The typical Loan to Value in our lending portfolio is about 57% of property value. The Return on Investment is in the double digits and varies among the project type and circumstances. These opportunit...

August 1st, 2012 Seeking Investors for Private / Hard Money Trust Deed projects in Northern, Central and Southern California-

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