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California Mortgage Advice-First Time Buyer Mortgages

There are several California home loans that offer first time home buyers some exceptions to what are considered normal requirements when applying for a mortgage or refinance.  Some of the exceptions deal with debt to income ratio, credit worthiness, reserves and mortgage insurance requirements.  The government insures these programs to encourage home loan lenders to help people to become home owners. ... [Read more]

San Jose and San Francisco Mortgage Rate Comparison

I get a lot of calls from people who ask me if the San Jose or San Francisco Bay Area mortgage or refinance rates are the same as everywhere else in the nation.  The answer is no.  When comparing mortgage or refinance rates it is extremely important to make sure your specific property address qualifies for a certain rate.  Many times I have provided mortgage or refinance interest rates to people... [Read more]