Bay Area Mortgage Blog
Small, easy to read mortgage tidbits from a California lender take you from application to approval in 300 words or less.
ARCHIVED BLOG POSTS
2007
ActiveRain is NOT like high school, it's a lot more fun. Want to know why? We NEVER KNOW if the blog writer has an "ACCENT". You know, as in: came from a different part of the world/country and sounds, well, sort of FUNNY (read: not like you) when they talk. Whether we choose to admit it or not,...
07/30/2007
The biggest difference between a FIXED RATE MORTAGE and AN ADJUSTABLE RATE MORTGAGE is simple: Something in the future IS GOING TO CHANGE AN ADJUSTABLE RATE MORTGAGE. The biggest SIN in the mortgage industry is leaving borrowers woefully uneducated and unprepared for RATE ADJUSTMENTS.Brain Brady...
07/29/2007
Unconditional Love. If words were ranked by their impact on the world, these two would be at the top of the list, no contest. There isn't a person in the world that doesn't benefit when unconditional love comes into their life. Think about your unconditional love (from a child? a friend? your do...
07/25/2007
There is more than just earthquakes shaking up California these days. Real estate values continue to decline, rendering homeowners unable to sell, unable to refinance, stuck with higher rates, and in the very worst cases, facing foreclosure. MSN Real Estate just named 5 California markets that...
07/21/2007
When I ended up with 2 daughters at the University of California in Berkeley, I decided to buy the girls a condo. After all, real estate at the time was booming, and owning property anywhere near San Francisco is a near guarantee of appreciation. What I hadn't counted on was the blatant discrim...
07/19/2007
With declining or stagnant values defining the current real estate market, understanding the old adage, "Location, location, location!" is imperative. Everyone making a decision on buying property is making an investment decision, and more than anything else, location will determine future appre...
07/15/2007
There are rumblings. Not a roar. Just rumblings. Still, maybe we in the real estate business should wake up and smell the coffee. The old pricing model that required a seller pay 6% to sell the house? Could be extinct sometime soon.Imagine a brave new world. All the houses for sale are listed di...
07/10/2007
I have often thought that the reason I landed in real estate had something to do with a childhood defined by moving from house to house, school to school, and forever being known as "the new girl". By the time I landed in California in mid-high school, I had lived in Kentucky, Tennessee, Georg...
07/09/2007
A new twist on borrowing from your home's equity is being marketed by a company here in San Francisco: a way to tap equity while incurring no debt. How does it work? Quite, simply, homeowners are given a large up front cash payment in exchange for a share of the home's future appreciation.For exa...
07/07/2007
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Comments
About an hour and a half south of San Francisco lies a place with the soul of an old hippie, wrapped in a natural beauty that is nothing short of breathtaking. There are many beach towns up and down the California coast. But most who know would agree, there is only one Santa Cruz.You can't just g...
07/03/2007
Rainmaker
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Janet Guilbault
San Francisco Bay Area Direct Mortgage Lender