Martin's Mortgage Minute...

Sometimes you get that jaw dropper comment on one of your posts. You know, the comment that is raw. The one that speaks volumes about our entire industry. It is something laced with real emotion that spews out like hot lava from a smoldering volcano (that you assumed was dormant). It is the kind ...

Many homeowners are unaware that some home equity lines have a feature that allows you to convert an equity line into a fixed rate equity loan.  The process does not require a refinance and is usually accomplished by placing a phone call to the lender and paying a small processing fee.  If your h...

Banks are sending notices to homeowners advising them that their home equity lines have been frozen or reduced to a lesser amount.If you have an unused equity line, it may be at risk. Recently, I have received several phone calls from clients who have already received such notices.  As a mortgage...

 I often stop and think. Wow -- how did my parents ever get anything done in the business world 20, 30, 50 years ago? There was no email, no computers, no internet and the scariest of all no Google. Yikes! (The thought of working without these tools sends chills down my spine.) Yeah, things moved...

Today I had the honor of attending the ribbon cutting - opening ceremonies of Santa Clarita Valley's newest college campus.   The College of the Canyons -- Canyon Country campus.   The project first started in 1991 when the Chancellors office commisioned a long range study to determine the educat...

One of the most commonly asked questions that I get from realtors and clients now days, is who can qualify for 100% fianancing and how to qualify for it.If there's any loan out there more likely to burst the infamous housing bubble it would have to be the misuse of 100%-interest-only-adjustable-r...

 For those of you that prefer visual concepts,  I have prepared a simple flow chart that illustrates the key steps involved in the purchase of real estate.  This illustration is designed to provide buyers with a road map to ownership from begining to end, it is not a detailed list of everything t...

Roger Waters, the creative musical genius of Pink Floyd from 1965 to 1985, performed tonight at the world famous Hollywood Bowl in front of a sold out crowd of nearly 18,000 fans.  The performance was an embodiment of his best work as a member of Pink Floyd along with his solo creations since dep...

Yes, this is the shameless plug of an extremely proud dad, but shouldn't we all be proud of our kid's accomplishments.From Kindergarten to Graduate school, the months of May and June are cornerstone months symbolic of academic achievements and scholastic growth.  Graduations are celebrated, repor...

Several weeks ago Dr. Kelly Herta of Aligned Health Chiropractic approached our local BNI chapter (Team Gold) and recommended that we participate as a group in our city's Relay for Life.  With Dr. Kelly at the forefront our group began to learn about the Amercian Cancer Society's grass roots effo...