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Why Working with a Bank Will Cost You Thousands!
How is it that a couple who is paying $2,600 a month in rent could only qualify for a $280,000 loan? They went to a bank first. True story; after being told that they couldn’t qualify to buy the home they really wanted, they came to see me. After a thorough review of...
Is It Time to Get Rid of PMI or MIP?
When you obtain a conventional loan, PMI or Private Mortgage Insurance is required if you put less than 20% down on your new home. PMI protects the lenders if the buyer defaults on the loan; and it is usually added to the monthly mortgage payment. With true Private...
The Difference Between a Realtor and a Real Estate Agent
Not all Real Estate Agents are Realtors. In fact, there are a small percentage of real estate licensees who are members of The California Association of Realtors. The California Association of Realtors is a voluntary organization that has a very strict code of ethics...