I'm guessing that nearly everyone has some elementary school memory of a trouble making kid in their class. At some point during a school day, this kid's behavior got so bad that the teacher announced that the entire class would not have recess. And so it was that 29 kids who behaved fine were
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07/05/2011
99% Financing through CalHFA The California Housing Finance Agency's California Homebuyer's Downpayment Assistance Program (CHDAP) provides a deferred-payment, simple interest junior mortgage loan - up to 3% of the purchase price or appraised value, whichever is less -- to be used for down paymen
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07/02/2011
Cash Out Mortgage Financing for Sacramento Cash Buyers Many Sacramento home buyers are taking advantage of the great buys available in the current market, paying cash for Owner and Non-Owner Occupied homes. Until June 28, 2011, however, these buyers had to wait six months before they could get a
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06/30/2011
Don’t Forget about FHA Renovation Loans for Those “Challenging” Properties As a Roseville mortgage originator, I cringe a little when I see "property to be sold as is" in a listing. We all know this means the property holder, typically a bank or government entity, will not pay for any repairs to
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06/29/2011
Most of us have seen ads for medications aimed at helping those with Fibromyalgia (FM). Millions of people have this miserable condition and/or its miserable relative, Chronic Fatigue Syndrome(CFS). The exact cause of these disorders is not known nor is a cure available at this time. Sadly, mo
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06/27/2011
Recycling Books, CDs and DVDs in Roseville, CA If you are like me, you have managed to collect many books, CDs and DVDs over the years. And, like me, perhaps you want to de-clutter. You're in luck! Right here in Roseville you can find a place to recycle books and multimedia while also contribu
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06/24/2011
Back in August, 2010, I became acquainted with Bob and Leilani Souza of Souza Realty here in Placer County, California, through their response to one of my blog posts. They requested a meeting and we had a great time discussing their unique backgrounds. Turns out that Bob used to be a mortgage
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06/13/2011
On the heels of a similar announcement by Fannie Mae, FHLMC (Freddie Mac) today announced a sales promotion for its inventory of foreclosed properties. The HomeStep Summer Sales Promotion offers up to 3.5% incentive for buyers' actual closing costs on single family, financed dwellings. You must
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05/16/2011
On the heels of a similar announcement by FannieMae, FHLMC (Freddie Mac) today announced a sales promotion for its inventory of REOs. The HomeStep Summer Sales Promotion offers up to 3.5% incentive for buyers' actual closing costs on single family, owner-occupied, financed, residential use dwell
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05/16/2011
Specialty Mortgage Programs for Placer County Home Buyers One of the great things about being a Placer County Mortgage Broker in addition to a Banker is that I can be a problem solver, offering solutions to buyers who otherwise might be excluded from home ownership. Most Placer County home buyers
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05/06/2011
