Welcome to our site!
Thank you for stopping by our mortgage web site. Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want ...
8 Questions Your Lender Should Answer About Mortgage Rates
Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...
How Much Can I Afford?
How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-I ... Read More...
Four Possible Reasons To Refinance
A mortgage is generally the largest debt most homeowners have to manage. It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...
Is your Mortgage Professional doing this?
I recently shared a Total Cost Analysis report with a Realtor to show her the options I had given to the client she had referred to me and she absolutely loved it and was just floored by all of the information and the vast array of choices presented to her clients. She was thinking that this was a f ...
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HARP 2.0 - Will that help me?
A lot of people can’t refinance because they owe more than their house is worth or they have a 2nd mortgage or Mortgage Insurance (MI) and we have solutions for many of those issues. There are several programs here now or coming but let’s start with the HARP which stands for Home Affordable Refinance Program.
What is HARP 2.0?
Every ...
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Consumer Tips - How to buy a used car
the meat of this video was shot and produced and edited by my friend Dave Bundtzen. He is awesome and I am trying to ride on his coat tails here. You can see more of Dave's stuff at http://www.youtube.com/user/flixdigital
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Burma Shave in Guerneville, CA
I am definitely too young to remember Burma Shave ads along the highway but I have heard of it and I knew what was going on when I saw the signs along my beloved River Road stretching from the northern end of Santa Rosa all the way into downtown Guerneville. I did not understand what was going on exactly and why somebody was reviving the Burma Shav ...
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Shredding party in Sebastopol
Financial Spring Cleaning
What did he say? What is Financial Spring cleaning?
As a mortgage banker and broker, we have a shredding service that comes by and destrys documents and copies of our clients sensitive information when we are done with it. This is a service we pay for and they come periodically in a super cool truck and we ...
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Why work with a local lender
Many people ask me why they would work with a local lender and the answers are plentifull for me. Number one is that I am the local lender so I would rather you chose me over some big bank lender. That keeps me employed and it keeps me paying rent on my office and it keeps folks employed in that office and it keeps food on the table for my family ...
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