Bay Area Mortgage Blog

By
Mortgage and Lending - Platinum Home Mortgage Company - NMLS #238304
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 

9 Comments
Hey, I have a great idea. Let's help everyone with those 500 credit scores "fix" their credit. They can't help it if they can't manage their finances. Let's just take everyone that has a 750 score and GIVE 100 of their points to everyone that has a 500 or less score. There! Is everything fixed no...
09/29/2007

9 Comments
We had a laugh in the office last night when I announced "I'm in Jumbo Jail". Some of my fellow mortgage brokers suggested my new slogan be "Janet does Jumbo"(I don't THINK so!) This was our after-hours, end of the month, blow-off-some-steam session. September has been a tough month, especially f...
09/27/2007

6 Comments
Thank you Scott Gromley, for beating me to the punch by asking in your excellent post if our California lenders are redlining via their new policy of placing every county in the state in one of these three categories:DistressedDeclining                                               Stable Honestl...
09/23/2007

32 Comments
I was surprised when my recent post entitled The Top Ten Reasons to Blog on ActiveRain, exposed (via comments), an element of ActiveRain that I didn't know existed: The Blogphobics. These are our members that are hiding in the shadows, reading and commenting, but not writing. Who even knows what ...
09/20/2007

7 Comments
On the front page of today's paper was the following headline: "Fed Rate Cut Pumps Up Economy". If you believe like I do, that a great deal of our economic woe lies with our stagnant real estate market, this headline is good news. Or is it only good press?For several months I have been trying to ...
09/19/2007

16 Comments
I may just have been the luckiest girl in all of RainLand on Friday when (at the very same moment) I had Jim Cronin of the Real Estate Tomato on the phone, and Brad Andersohn in my office, 2 of the brightest Internet marketers to ever grace the blogging world. Pinch me, please.As if we had all kn...
09/16/2007

5 Comments
Is a mortgage broker a bank's BEST CUSTOMER (because they are a source of many new loans and bank customers?) or are they their WORST COMPETITION? In the mortgage industry, the term "broker a loan" means this: The mortgage broker carefully selects the best lender (from many different lenders) to ...
09/14/2007

9 Comments
  Once Upon A Time, A Long Time Ago, In a Distant Land..............there was someone who actually learned to write. She learned the old fashioned way, before this skill fell out of favor, and when knowing how to write was considered, (right along with math), the 2 most important things you learn...
09/11/2007

13 Comments
 What if your income tax became fixed based on the amount you made the first day you took the job? That's right, 20 years ago you only made $2000 a month, and even though you now make $10,000 a month at the same job, income tax is still collected AS IF you are making the $2,000 a month. Seems rid...
09/10/2007

42 Comments
                 American's Most Opinionated Mortgage Broker asks us, "Who the hell is going to buy all those McMansions?"(if not the babyboomers, and not the new generation of homebuyers who seem to prefer the urban life?) Funny thing is, he isn't the only one asking this question here in Califo...
09/06/2007
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