Teresa Tims's Blog

Are you ready? Ready for rapid price appreciation? Multiple offers on homes again? Well if not get ready, it's in the making as I write this. There are many recent factors that will contribute to this; reduction of FHA Monthly Mortgage Insurance Premium, Introduction of 3% down programs, but most...

Great news for 2015 there are some new 3% Conventional down payment options that I would like to clarify for you. Keep in mind that this 3% Conventional product is still a conventional loan for your clients with the higher FICO’s.     We will be looking at this for some of our FHA Buyers to see ...

Sending you and your family peace and love with many blessings for this upcoming year.   Merry Christmas!  

    Now offering home loans to clients! 1 year out of bankruptcy 2 years out of foreclosure 600+ Fico Up to 1 million dollars purchase price     You should know that qualifying traditional clients will be easier in 2015. Private investors are offering loans for our self employed borrowers and bor...

CA Mortgage Rates for 11/19/2014   Program                                   Rate                  APR FHA 3.5% Down                              3.750%            5.128% VA 0% Down                                    3.750%             3.924% Conventional 5% w/MI                  4.250%         ...

CA Mortgage Rates for 11/12/2014:   Program                               Rate                      APR FHA 3.5% Down                  3.750%                  5.128% VA 0% Down                        3.750%                  3.924% Conventional 5% w/MI            4.375%                   5.275% C...

A dip in mortgage rates has many home buyers and refinancers wondering how they can capitalize on current market conditions.   Mortgage rates hit 2014 lows in mid-October and are still near 16-month lows. The rate dip has prompted many homeowners to explore refinancing and many home buyers to as...