With interest rates in the high 4-percents to low 5-percents, now is the perfect time to refinance, especially for those of you who may currently have an adjustable rate loan. If you’re looking to get out of your adjustable rate loan, there is no better time than the present to get yourself into a fixed [...]

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I never thought I’d see the day, but mortgage rates have fallen below the 5% mark! Rates have been seen in the upper 4% range, some even down to about 4.75%. This is unheard of and could save the average homeowner hundreds if not thousands of dollars per year!
Take my current home loan for instance [...]

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At the time I got my home loan about 5 years ago, I have to admit that there were some seriously crazy loan programs being offered. At the time, I could have qualified and purchased a home 2-3 times the price of the condo I bought for $290K. The problem is that many people did [...]

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Recently, I’ve been hearing many ads about loan modification programs being offered to Southern California residents. The one program that I’ve been hearing the most about is called HELP or Home Equity Leveling Program.
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Basically, home loan modification programs offer the homeowner a permanent change in one or more terms in the mortgage loan, whether it [...]

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