Roger Farah's (rfarah) Blog

Mortgage and Lending - Bay Equity Home Loans
  Pay Off  Debts with Equity From Your Home   Paying off debts is a great way to reduce your debts, payment, interest rates on personal loans and frees up money.   With equity rising, in other words the value of your home may be going up, you may have an opportunity to wrap personal debts into yo...
  Have you seen your credit report lately? is a centralized service for consumers to request free annual credit reports.   As part of the Fair and Accurate Credit Transactions Act (FACT Act), the Federal legislation signed into law the availibity to a consumer's credit repo...
If you are a 1st Time Home Buyer, you may be eligible for a 1% downpayment program in the state of California. Here is how it works: Example $100,000    Sales price on an owner occupied home $96,000     1st Mortgage: 30 year fixed FHA Mortgage $3,000       Down Payment Loan = Deferred Loan (no mo...
We are seeing little change in rates after Bernanke's speech today, although the Dow popped up about 150 points at the high, so traders/investors beliew that their could be more stimulas on the horizon. Recognizing how low rates are, rates tend to decrease like an escalator, but increase like an ...
Bank Or Mortgage Bank?  Which Should You Choose For Your Lending Needs?   With all of the new regulations and compliance with the Dodd Frank Act, we are seeing an ever changing world in home loan lending.  Some of these changes will apply to you, however all of the changes will apply to the mortg...

Roger Farah

1st Time Buyer, FHA, VA, Conv. HARP
local_phone(707) 583-8107
smartphone(707) 322-1100
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