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Mortgage and Lending - Stearns NMLS #232164 CA BRE #01380812 - BRE 01380812 NMLS 232164
The Seller Buy Down You are a Realtor or Home Seller. You've priced your home to sell, which is to say, it's not overpriced and the appraisal would come in at the asking price. BUT it's not selling and you're considering a price reduction. Don't reduce the price until you see the The Seller Buy ...
If you're paying cash for a *primary or secondary residence, congratulations!  You'll have a better chance of getting your offer accepted and can close fast.  30% of home sales in California are sold to cash buyers according to the National Association of Realtors. How many Realtors know to advis...
I was recently crowned "Queen Of The Loan" by the Windsors because they heard that I give my clients "The Royal Treatment".As part of my duties, it turns out I'm required to address the public, so after LOTS of Royal coaching, here's a little song....    
Not everyone wants Ben Bernanke's job, but this is a funny YouTube parody of Glen Hubbard, Columbia Business School's Dean who was tagged by the media as a potential successor to Greenspan. The students who created this parody obviously thought Hubbard could do a better job heading the Federal Re...
04/07/2008 is now offering a free service to borrowers who are in need of a mortgage loan.Here's how it works: You type in (anonymously) details about your situation, such as your home's value, your credit rating, what kind of loan you are looking for, etc., then lenders provide quotes to you and...
I love this YouTube video (so do millions of others, as of this posting, it's been viewed over 27 million times!) But watching it as a mortgage planner, I wonder if the parents of Charlie and his brother have started a college savings account for their boys. I also wonder if they have a good mor...
Things have changed in the lending world. Now more than ever, you want to be sure you're working with a lender who is dedicated to expanding their knowledge, and commited to providing you with a personalized mortgage plan that integrates your mortgage into your whole financial plan. The Certified...
I love my job.   I get a thrill showing people how to do what others would say is impossible, especially when it comes to the ownership of Real Estate.  I have learned in life that the old adage is true:  "Nothing ventured, nothing gained" especially when it comes to real estate.  And until you ...
Here's a nice survey of Marin County home sales from 2005-2007 co-authored by my appraiser Chantal Griffin, of Griffin Appraisals. The survey goes town-by-town and divides the properties into single family and townhomes and further divides sales into price ranges. The local newspapers often repor...
In this article from Best Life Magazine, a Federal Reserve Board member shows us why (with a complex mathematical model) it's better to invest in your retirement account than to accelerate payments on your home mortgage. This is a key strategy that mortgage planners teach their clients.  When you...

Mary Anne S. Daly

Queen of the Loan & Radio Broadcaster
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