Home loan companies are in an ARMs race...competing for your business and searching for ways to make homeownership affordable.  An adjustable rate mortgage, or ARM, is one solution.  If you need a home loan, should you consider an ARM?If you had an adjustable rate mortgage from 1993 to 2003, you ...
When you get pulled over in California, they don't ask you for your driver's license anymore.They ask you for your real estate license.Okay, I knew that everyone was getting into the real estate professions recently.But I had no idea how serious this influx was until I joined Active Rain and saw ...
 If you've ever wanted a home loan, you've heard the commercials and seen advertisements that offer all sorts of interest rates.  Why are there different interest rates?Put simply, when a company lends out money, they take a risk that the loan might not be paid back.  Sometimes, whether through c...
There was a great post from a Realtor named Shari George that prompted me to write this blog entry.Funny, it doesn't look like a trailer!According to Freddie Mac and Fannie Mae, the two largest investors in conventional mortgage notes, the guidelines (and every major lender uses these guidelines,...
If you're a California Public Employee, then you're a member of CalPERS, the California Public Employee Retirement System.And if you're a member of PERS, then one of your benefits is the CalPERS home loan.The CalPERS mortgage loan program is for purchase or refinance, has controlled closing costs...
Talking about interest-only home loans is a lot like talking about politics.  Just the mention of them brings up strong reactions.  What exactly are interest-only loans, and why would you get one?A traditional house payment goes to principle and interest, meaning that the interest accrued over th...
On Saturday, December 9th both the House and the Senate passed a bill allowing homeowners to deduct the cost of Mortgage Insurance.MI premiums will be 100% Tax Deductible for households whose adjusted gross income is $100,000 or less.The bill applies to all loans closed on or after January 1, 200...
The Hemet-San Jacinto Association of Realtors Affiliates Committee held their elections for 2007 officers today.  The Affiliates Committee raises scholarship money for graduating seniors from these local high schools: Hemet High School, San Jacinto High School, Esperanza, West Valley High School,...
Good News...The families of the five Firefighters that were killed in October fighting the Esperanza fire (just north of Hemet and San Jacinto) will get the money that the United Way collected.Almost $1,000,000 was donated, but the United Way was warned that they would lose their tax-exempt statu...
1 Comments you want to distinguish yourself from your competition?  I have an easy way to do that:  Plant your flag!I was in a rock band that never was a household name, but we were pretty succesful - record deal, radio play, international tours.How did we get so far?  Was it talent?  Was it s...

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