The 4 Elements Of Applying For A Sonoma County Home Loan: Part 3

January 25, 2011

The First Two parts of applying for a Home loan in Sonoma County revolved around the concepts of Credit History and the abiltity to repay the loan using your documented income. Part #3 known as your equity position or down payment deals with “skin in the game” as some would like to refer to it. [...]

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Mortgage Rates Rise

December 14, 2010

The bond bubble has finally burst and as a result the interest rates on Mortgages has risen sharply in the last two weeks. It seems like it was only yesterday when i was shouting out that interest rates wouldn’t go any lower and that now was the time to buy a Sonoma County ome. Did [...]

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The 4 Elements of Applying for a Home Loan: Part II

December 2, 2010

Part II of our series on the elements needed to qualify for a home loan revolves around the notion that you need to be able to prove that you can repay the debt or make the house payments you are about to incur. We no longer have the Stated(wink wink) income loan. Income documentation has [...]

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Pending Home Sales of US existing Homes Up 10%

December 2, 2010

Pending home sales of existing US homes jumped up an unexpected record 10 % in October indicating that the economy is not falling of a cliff as many have predicted and that the industry which is at the center of and recovery is on its way back. The increase in the number of Americans signing [...]

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The 4 Elements of Qualifying for a Home Mortgage: Part 1

October 27, 2010

The first element looked at in any loan application for a home loan in Sonoma County is going to be your credit history. How have you paid your bills? Do you pay them faithfully on time? Or do you tend to drag them out and juggle payments with the occasioanl slip up every once in [...]

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OK…So They Might Get a tad Better…

October 6, 2010

Market Update Treasuries and mortgages rally this morning on speculation the Federal Reserve will take steps to boost the economy with quantitative easing, buying more government debt to pump more money in the market. Also helping fuel that speculation was a disappointing ADP Employment report showing private employers cut 39,000 positions in September after adding [...]

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Mortgage Rates…They are not getting any lower…

October 5, 2010

Residential mortgage interest rates for Sonoma County residents continue to hover around all time lows. Whether your in the market for a 30 year fixed or 5 year fixed rate ARM you will still find extremely low mortgage rates. But the Gov’t just anounced that they have added 1.6 Trillion, Yes Trillion dollars, to our [...]

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Market Update

September 14, 2010

Treasuries and mortgages advance this morning on economic growth concerns. The data this morning was better than expected, however in the bigger picture rather lackluster to sustain significant recovery. Retail sales advanced 0.4% in August after a downwardly revised 0.3% increase in the previous month, slightly better than the 0.3% forecast. Business inventories increased 1% [...]

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Can Mortgage Interest Rates Get Any Lower?

August 17, 2010

I just don’t know if they can. Rates as low as 4% for a 30 year fixed loan are virtually unprecedented in our life time. If you are waiting for rates to go lower I just don’t think they are going to. I reveiwed the history of the ten year bond recently and over the [...]

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Market Update

August 11, 2010

Yesterday the Fed announced they were keeping overnight rates untouched for an extended period and would be purchasing longer term bonds due to a slowing economic recovery. Bond markets continue yesterday’s rally after the Fed announcement, and reach historic levels this morning. The second auction of the week, a $24 billion offering of 10 year [...]

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