10 Commandments During Home Loan Process
10 Commandments when Applying for a Home Loan in California 1. Thou shall not change jobs or become self-employed (The previous 2 years prior to applying is best to be stable at the same job) 2. Thou shall not buy a car, truck or van until “after” you...Wondering About The Weather in Lake Forest?
Wonder no more. The weather is, in a word, perfect. All of Southern California is known for its mild Mediterranean climate. Daytime highs in the summer average in the mid 70’s and in the winter in the mid 60’s. Even in the winter there are stretches of days in the...Top 10 Ways to Prepare for Property Appraisal
& List of Top 10 Low Cost Improvements that Add BIG Value You sold your house! Or, you are thinking of getting a lower rate and refinancing your current mortgage. You are going to need property appraisal on your home. While the actual 10-12 page report may only...Get Schooled in Lake Forest
Educational opportunities are a big factor in many people’s choice of a home town. There are the K-12 schools for one thing, but there also are kids’ sports and extracurricular offerings to consider. On every point, Lake Forest offers just what you may be...So… You want to live in Lake Forest?
The small city of Lake Forest is bordered on the north by Irvine, and on the south by Mission Viejo. All three of these cities are ranked among the safest cities in the country. True to its name, Lake Forest is home to both lakes and forests—a rarity in Southern...Best Christmas Lights Lake Forest
It’s the most wonderful time of the year !! Time to hop in your car , drive-through Starbucks or Chocxo and grab some hot cocoa’s and go for a drive for the best Christmas lights in Lake Forest. These are my favorites and the pictures don’t hold a...Getting a Home Loan with Bad Credit – How long to wait?
Below are the newest guidelines for Fannie Mae and Freddie Mac (Conventional Loans) which show how long you would have to wait to get a home loan after a “Bad Credit” event. Conventional loans are typically the best rates and terms available. There are...The Rules Have Changed for Mortgage Loans
— All About TRID (the new mortgage disclosures) Starting this week – after October 3rd – getting a mortgage loan has a new disclosure process designed to help the consumer understand, in a clear format, the complexities of a real estate...Year of the Boomerang Buyer – Home Loans After Bankruptcy
2015 is looking to be the year of the boomerang buyer, or repeat homebuyer. The housing crash in 2008 caused financial hardships for many, but now buyers are looking to get back into the market to purchase a home and take advantage of the low rates and rising...
Welcome to my Blog!
Here you’ll find tips, updates on mortgage laws and changes that can affect your loan or approval. Check back often for more great ideas.