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While many people have bought homes over the past several years, a lot more families are still not finding the right home or are working out credit issues. A common question I get is how long interest rates are going to stay low. Many thought that rates would start...
Should I Use a Mortgage Broker or Banker for My Mortgage?
A common question people wonder is whether to use a broker or banker for their mortgage? As far as rates go, they are very comparable. It is commonly misjudged that brokers have higher rates but this is not accurate. Brokers do get a commission but their fees come out...
Karen’s Weekend Picks: 12/1-12/3
Bay Area Weekend Picks for 12/1-12/3: This holiday season is here and no matter what your religion or background, you can’t resist the overall joy most people feel this time of year. A great activity this weekend is the annual holiday parade in Pleasanton. This is two...
Is Now A Good Time To Refinance My Mortgage?
There are many reasons you may be considering refinancing a home loan. Refinancing may allow you to get a lower interest rate, shorten the term of your mortgage, switch between an adjustable-rate mortgage or a fixed-rate mortgage, use your home's equity in...
Danville Oak Tree Lighting 2017
Danville Oak Tree Lighting for Christmas and the Holidays on November 24, 2017.
Thanksgiving Weekend 2017
This weekend is America’s original holiday, Thanksgiving. This is an opportunity for being thankful, spending time with family, and shopping. If you love getting a deal then Black Friday is the day for you! One great way to find the deals this Black Friday is at...
Conforming Vs. Jumbo Home Loans: What’s The Difference?
When shopping for home loans, you may be overwhelmed at the prospect of finding the right fit for you. There are a number of different types of loans, with different limits, terms, rates and lending guidelines. Here we look at two of the most popular loan types, the...
California FHA Loans
What is a FHA Loan? An FHA loan is a home loan that is insured by the Federal Housing Administration. That means the bank's loans are guaranteed, so if you don’t pay the bank will still get paid. Banks more willing to give out these loans than ones with out FHA...
Why Choose A Mortgage Broker Over a Bank?
If you're looking to finance a new home, you may find the process rather confusing. One of the first decisions to make is where you'll get the financing. There are many different avenues for seeking financing. The person dedicated to helping you weigh your choices and...
Karen’s Weekend Picks: 11/10-11/12
I hope everyone had a great week and is looking forward to the weekend! This will likely be the last calm weekend for many of us before the craziness of the holidays takes over. I usually recommend taking things easy and maybe doing a hike. It is another National...
Which type of flooring-hardwood or carpet?
Homeowners are always asking me should I put carpet or hardwood in my home. While this comes down to personal preference, a few other factors that should consider are the following. Hardwood is generally longer lasting as it can be refinished several times. In...
What Do Buyers and Sellers Pay in Closing Costs?
Buyers and sellers should be prepared to show up to the closing of a home sale knowing what their costs of sale will be. Based upon the mortgage loan amount of the purchase and sale price, a Bay Area mortgage broker will be able to estimate closing costs on...