I hope you had a wonderful Thanksgiving weekend. I flew to NYC to see my daughter, who moved to Buffalo, and we had a wonderful time. On the way back, I was honored to sit beside a gentleman who coughed on me for 5.5 hours. I am working from home for the next couple of […]

As we roll through the shortest work week of the year, I want to wish all of you a Happy Thanksgiving!   It has been quite a year, and I am thankful for a lot. First and foremost, I am thankful for my four daughters, the rest of my family, and close friends who always […]

Although we have not seen many buyers looking for 0 down loans lately, we still offer that product in many different forms. The main reason is affordability, but we may see more of these as interest rates continue to fall.   CALHFA and Chenoa are the two main programs we use for buyers without money. […]

Interest rates dropped by about .250% today, and things are looking better. Most conventional loans have a 7 in front of them, but you can buy rates down into the 6’s. FHA rates are in the low 6s, and we have been back to the best since mid-September.     The CPI number came in slightly […]

Rate matters, and the lower the rates, the better business is, or so it seems. One thing I want everyone to understand is the difference between FHA rates and conventional rates and the payment difference based on where we are right now. FHA has been running between .625% and .750% better than conventional loans lately, […]