Interest rates have declined today after a fab bond sale!   With the new disclosure requirements coming down end of July, the banks are reaching out to all parties involved with the
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    The new government regulation requiring repeat and final disclosure of closing fees and Annual Percentage Rates could delay a closing if they are not handled properly by all
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Getting a mortgage with no job is pretty much impossible now, but how does one get a job with spotty, or complicated,  employment history?   Most lenders want to see two years consistent
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  Just when you thought you had signed every document under the sun- and your life away….there are more!Beginning July 30, 2009 the mortgage applicant will have more forms to read
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Remember the 80-10-10 mortgage? A great invention created to borrow more money or to avoid paying private mortgage insurance. Well, the first and second mortgage combos have almost
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As predicted, we end the week on a high note-with lower interest rates. Whew, people where getting a little cranky around here! The Treasury had a good bond sale yesterday, oil prices
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The treasury had a bad sale day for bonds. They thought that investors would come out of the woodwork to buy the 10 year bonds and they did not. Thus, the government had to increase the
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I must honor Vicki, from Wells Fargo, for approving a very tough mortgage using good old common sense underwriting.   When Vicki called and told me, a very important client’s mortgage
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  What castle is this and where is it located?           I had three conversations today:   1.    Client: Oh my God, rates are skyrocketing!  My cousin told me that rates are
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The talk of the town, the times and the cocktail parties this week is that home sales are getting stronger around the country. However, a sale is not a sale until the “fat lady sings.”
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