DB Real Estate Team

When getting ready to buy your first home, a down payment can get in the way of making things happen. One of the great features of a FHA loan is being able to have a family member or a close relative gift you the FULL 3.5% down payment required by the program. But to make sure your transaction go...

Last week one of my clients got an accepted offer after making quite a few unsuccessful ones. If you're actively house hunting and making offers with no success, here's a story for you. Being a deligent agent, Debbie Baldes aways makes sure to check several times a day if new homes that fit her c...

Last week Mortgage Bonds finished at levels not seen since May 21 and home loan rates hit near historic lows. It’s hard to believe that some borrowers locked their interest rates under 5% on 30 year fixed rate mortgages. Stocks closed lower and the Dow market had its worse week since mid-June. As...

In big news this week, the Fed said that there won't be any additional Mortgage Backed Securities purchase on top of what they've committed to buy. Instead, they'll slow down on the purchase and extend it through the first quarter of 2010 in order to provide a smooth transaction back to normal ma...

It is no news that the current real estate market has attracted a large number of real estate investors. With all the great deals available and home loan interest rates extremely attractive it has become evident that some investors are taking advantage of the market by doing what is called “flipp...

Nope. It's not about beef! It's about a great zero down payment home loan. USDA Rural Development's Guaranteed Rural Housing Program is designed to assist home buyers who have dependable income and satisfactory credit history, but not the down payment funds. It's a great option for home buyers w...

There has been a lot of talk about the new Truth In Lending diclosure regulation that took effect on July 30, 2009. This new regulation is part of the Housing & Ecomonic Recovery Act or H.E.R.A. and it's called Morgage Disclosure Improvement Act. Is it good or bad for the real estate industry? Ho...

If you're a CalPERS member, this is your lucky day. The CalPERS Home Loan Program is one of the few left that will help you get up to 100% financing. It makes purchases and refinances available to members who may not have qualified for any other mortgage loan.This is how it works...CalPERS allows...

Your Name Is Being Sold! Yep...Your information is now a hot commodity. Having your credit checked is an important step in the home buying process. But did you know that every time you have your credit checked the "inquiry data" that the credit bureaus (Equifax, TransUnion or Experian) have on fi...

Buying A Home Protect Your Loved Ones Understand How Holding Title To Your Home Affects Your Family One of the last things most home buyers think about when buying a home is how to take title to their new house. It's best to consult a real estate attorney or your tax professional but, unfortunate...