California Home Loans-Purchases-Refinances

I'm the Chairman of the Affiliate Committee for our local Association of Realtors and we conduct a Fall and Spring Mixer for the local Realtors. During the mixers, Realtors and Affiliates network with each other and we usually throw a theme behind each one. For our Fall Mixer in October, we are h...

Oh, how life feels like a grand juggling act! But when it comes down to it, the single most important asset we have is TIME! That's right, you can't buy more than is alloted to you or stop it. Regardless of what we do in our daily lives, it continues to move. Through the ups and the downs of your...

Do you know what chameleons do better than almost any other creature out there? Their bodies change colors and adapt to it's environment. So I ask this to all of you Real Estate professionals out there. How often and well do you adapt to change and your environment? I have found that no 2 clients...

I think I'm going to change my job description from Mortgage Broker to Professional Problem Solver. The longer I'm in this business, the more I realize that it goes far beyond interest rates, loan products, documents and all that jazz. If I boiled it down to it's basic element, I think the job de...

I have learned over the course of time that there is an often overlooked factor in Real Estate transactions and many of the things we do on a daily basis. What is it? The "gut factor!" The gut factor is what your inside tells you is a good or bad situation to be in. I often tell my potential clie...

Here's some great advice, be sure you have a few great insurance agents to work with. I had a client recently that was paying close to $200 more a month for her existing insurance policy than what my affiliate quoted her at. He drove out to her property and noticed that she was categorized improp...

I have noticed a strong trend lately. The Baby Boomers of California are now becoming "Empty Nesters." The kids are out of the house, they don't need all of that space and they are sitting on a property in the Bay area, Los Angeles, Orange County or San Diego and they are getting ready to retire ...

I'm curious to know how "Option Arms","Pick-a-Payments" or whatever you want to call them are viewed in your neck of the woods. Do you find that liberal and conservative people are using them? Do you find that investors are using them? What do you feel is the overall impression on them? I would a...

Have you considered promoting the Active Rain community by giving it exposure in your area? I recently wrote an article, which you can check out here on page 27. Letting everyone know what the AR network is about and getting potential clients to visit the network will benefit all of us greatly. S...

Kiss private mortgage insurance goodbye California! I've received new announcements today from multiple investors, stating that they are doing 100% first trust deed loans with NO MORTGAGE INSURANCE. In the past, investors were doing maxed 80% first trust deeds and 20% seconds to avoid PMI. Now yo...