Did you Pay All Cash for Your Bay Area Home? Want to Take The Cash Out By Refinancing?

Did you Pay All Cash for Your Bay Area Home? Was the purchase for a second residence or investment property? Would you benefit from taking the cash back out by refinancing to use the money in different ways?   30% of all Real Estate Transactions were all cash   This is a very … [Read more...]

Federal Jobs Report Shows Largest Increase Since 2008- Mortgage Rates Remain Steady

Federal Jobs Report Shows Largest Increase Since 2008- Mortgage Rates Remain Steady

The Bureau of Labor Statistics (BLS) issued its Job Openings and Labor Turnover report for February on Tuesday, June 9th, 2013. The data was mixed with preliminary figures for all non-farm jobs increasing from 3.62 million jobs in January to 3.93 million jobs in February. This was the highest … [Read more...]

What’s Ahead For Pleasanton Mortgage Rates This Week: March 18th, 2013

What’s Ahead For Pleasanton Mortgage Rates This Week: March 18th, 2013

Last week's positive employment reports were good news for the economy, which typically causes mortgage rates to rise, but mortgage rates ended the week lower. As of Thursday, Freddie Mac reports that the average mortgage rate for a 30-year fixed rate mortgage was 3.63 percent with borrowers … [Read more...]

Will I Need Mortgage Insurance on Your Bay Area Mortgage Loan?

Will I Need Mortgage Insurance on Your Bay Area Mortgage Loan?

Have you heard the term Private Mortgage Insurance (PMI) when looking to finance your Bay Area real estate purchase or refinance? You may be wondering what PMI is and how you know when you need to purchase it. These answers can be hard to find among all the real estate jargon you might be … [Read more...]

The Greater Your Credit Score The Better Your Mortgage Rates

For home buyers in Pleasanton and nationwide, credit scores can change low mortgage rates and alter home loan approvals for your purchase or refinance. Lower Mortgage Rates Borrowers with high credit scores get access to lower mortgage rates, for example, and can find the mortgage approval process … [Read more...]

How To Avoid Low Appraisals for your Bay Area Purchase or Refinance

Home values are rising in many U.S. markets and rapidly across the Bay Area. The S&P/Case-Shiller Index has home values up 1.2 percent as compared to last year, and the government's Home Price Index shows an increase of 3.7 percent. This has been partially evidenced by rising median home … [Read more...]

Avoid Higher Cost Loan’s in the Bay Area- Simple Tips To Keep Your FICO High

For today's Bay Area home buyers and refinancing households, the value of "good credit" has never been higher. Mortgage Pricing and FICO Mortgage approvals hinge on your FICO score, as does your final mortgage pricing. If you're shopping for a home in the Bay Area , therefore, or contemplating … [Read more...]

Can Your Loan Officer Close Your Refinance in Less Than 30 Days? Pleasanton Mortgage Rates This Week : May 21, 2012

Can Your Loan Officer Close Your Refinance in Less Than 30 Days? Pleasanton Mortgage Rates This Week : May 21, 2012

Mortgage bonds improved last week on lingering concerns for the European Union, plus weaker-than-expected economic data here at home. Global investors were net buyers of mortgage-backed securities last week, pushing mortgage rates lower  in the Tri Valley and nationwide. Freddie Mac Interest Rate … [Read more...]

With LIBOR Low, Should You Refinance Your ARM Loan?

With LIBOR Low, Should You Refinance Your ARM Loan?

  Is your Pleasanton mortgage scheduled to adjust this season? You may want to let it. This year's ARM-holding homeowners in California are finding out that an adjusting mortgage may be the simplest way to get access to today's low mortgage rates -- without paying the closing … [Read more...]

Underwater California Home Owner’s Refinance with HARP 2.0

Underwater California Home Owner’s Refinance with HARP 2.0

Hi Brian, can I refinance my Bay Area home under the HARP program if I had mortgage insurance on my loan? The Answer; YES. This recent question I received that I think you will find the answer very helpful! The Underwater California home owner is poised to refinance into current market mortgage … [Read more...]