Real Estate Trade Secrets

In most real estate markets throughout the country, sellers are trying to cope with a slower moving market burdened with an over supply of competing homes for sale and weak buyer demand. Buyers are struggling with rising mortgage interest rates, tougher loan underwriting qualifying standards, high prices and low affordability. Real estate investors want positive monthly rental […]

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In today’s challenging and uncertain lending environment, qualifying standards for home loans and refinancing are becoming increasingly more stringent. Many potential borrowers who were “pre-approved” under yesterday’s loan underwriting guidelines may discover that their loan program qualifying standards have changed or the loan program is no longer available.
 
Unfortunately, some unwary prospective homebuyers discover they […]

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 The Veteran’s Administration has modernized the current VA loan programs available to qualified veteran borrowers. These loans are very competitive and can offer an affordable financing alternative to prospective home buyers and people who want to refinance their existing mortgage.  Additionally, the current maximum VA loan limit is $1,000,000 which can be a great alternative to […]

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The current credit crunch in the financial and real estate markets have significantly eliminated a vast pool of borrowers with a desire to purchase or refinance a home. This especially rings true in high cost markets like California and the San Francisco Bay Area.
 
FHA loan programs offer great terms compared to conventional loan programs affected […]

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In most real estate markets throughout the country, sellers are trying to cope with a slower moving market burdened with an over supply of competing homes for sale and weak buyer demand. Many potential home buyers can no longer afford the prices of homes in high cost real estate markets like the San Francisco Bay […]

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Call-for-Action!
The California Association of Realtors (C.A.R.) and the National Association of Realtors (N.A.R) Need Your Help to Increase Public Access to FHA and GSE Loan Products!
Contact Senator Boxer Today!
 
C.A.R. and NAR are SUPPORTING Senate Bill 2338 (Dodd) which, among other things, increases FHA loan limits to 100% of conforming loan limits (current loan limit is $417,000) 
C.A.R. and NAR are […]

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During this 4 minute interview,  Ross McGowan poses questions of Bay Area Real Estate Consultant, Pete Sabine.  Topics covered include: the Bay Area real estate market as compared to the national market,  jumbo loans and their limitations in the San Francisco Bay Area, the recent interest rate cut by the Fed and it’s probable impact […]

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This article was forwarded to me from one of my clients who is retired from Moody’s and S & P…this is one of the most clear and concise explanations I have read on the current state of affairs in the secondary market as related to the credit crunch. Read on-
Satyajit Das, one of the world’s […]

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 When you sell your home, the difference between a smooth and profitable transaction and a break even, miserable experience is often a fine line. By utilizing the trade secrets of a qualified real estate professional, you’ll ensure the quick, profitable sale of your home. If you are not completely prepared you could end up losing […]

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A good credit score can mean the difference between a low mortgage rate with conventional financing and a restrictive, higher-rate loan. There are five factors that impact consumer credit scores. They are listed here in order of importance:
1. Payment history has a 35% impact.
Paying debt on time and in full has a positive impact, and […]

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