We are seeing more and more buyers with multiple jobs when they are trying to qualify for a mortgage. The old rule was that we had to wait until a borrower had two jobs for a full two years. There are some exceptions, like those who work in the movie industry and nurses, where we […]

After we do a hard pull credit report. Many of our clients get harassed by other mortgage and insurance companies wanting their business, and sometimes buyers can get up to 20 calls after that hard credit inquiry! These calls and texts annoy and frustrate a potential buyer, but it is not the lender’s fault! The […]

The Consumer Price Index came in at .4%, which is .1% higher than expected. It’s not like it was a big miss, and inflation is still under 4% for the past year, but we needed a lower number to get these darn rates down. We are in a holding pattern for a few more weeks, […]

The condo news got a lot better as we had a lender that just closed a loan in Mariposa, and we will be able to get pretty much every non-warrantable condo done with this investor for the time being! If the insurance is a mess! We can do it! If there is litigation, we can […]

I will start with Happy Birthday #86 to my Dad, my golfing buddy, my mentor who still works at Northrop Grumman even though he is “over the hill!” The guy who taught me about sports and always attends a UCLA Basketball and Football games! He has more energy than most of us and gets funnier […]