Bay Area Mortgage Blog

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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

2008 

90 Comments
Not too long ago, getting financing for real estate was a lot like ordering FAST FOOD."One McMortgage, please".  Sure enough, when you got to the drive through window, there it was. So easy you could keep the conversation going on your cell phone all the way to the drive through window. So easy, ...
03/31/2008

26 Comments
I have often wondered why it is we believe we can "own" real estate. Somewhere, there are Real Estate Gods, and they are laughing their heads off. They know the truth: we don't own real estate. It owns us.Saying you own real estate is like saying you own your child. You nurture. You invest money,...
03/29/2008

31 Comments
I couldn't help but wonder if we are throwing gasoline on the fire when a most intriguing comment by a newer member was placed on a recent post of mine about the housing/mortgage crisis. I guess with all the hip-hip-hooraying about FHA coming back on the scene here in California (with higher limi...
03/26/2008

47 Comments
Way out West in the land of JUMBO MORTGAGES, we don't get a volume discount when we borrow a BIG CHUNK of CHANGE to buy our PRICY real estate. We get a VOLUME PENALTY, and let me tell you, these days that penalty is HUGE. Jumbo money, no matter how you look at it, is ridiculously expensive as com...
03/26/2008

14 Comments
I'm in beautiful Sedona, Arizona, with all my friends in the auto leasing business. They all own leasing companies in Arizona, California,and Oregon. Naturally, they have asked me, the one real estate person in the group, to explain the mortgage crisis to them. They also asked me to explain blogg...
03/16/2008

17 Comments
It occupied a place of honor in her office. Sitting proudly on the tallest shelf, it was heavier than it looked. It resembled an iceberg sitting on a piece of marble, embedded with a gigantic crystal star on top. Engraved on the star were these 2 words: TOP PRODUCER.She kept it there, not so much...
03/08/2008

50 Comments
I have often thought that real estate agents, in reality, are the originators.Nothing happens unless buyer and seller are brought  together and sign on the dotted line. It may be just a piece of paper, but it represents hours, days, and sometimes months of hard work, and you haven't even been pai...
03/07/2008

2 Comments
I love talking with clients on Saturday mornings. It is that rare day when most of are out of our business mode, in our jeans, and hanging out anticipating those 2 whole days of delicious weekend freedom.Myself included. But once a month, I call my "hard to contact" Internet leads, just to make c...
03/04/2008

16 Comments
ARE WE KIDDING OURSELVES ABOUT UNDERSTANDING INTERNET SHOPPERS?When we Web 2.0ers dream in color, here is what we see: Mr. IRES (Internet real estate shopper) throws magic key words into Goggle. Because of our fabulous SEO savvy, he is led to our blog. Eureka!He is madly in love with everything h...
03/02/2008

41 Comments
ITS 2 AM AND THE PAJAMA WARRIORS ARE THINKING ABOUT REAL ESTATEThere is something sadly ironic about all those "pajama warriors" who apply online for a mortgage at 2AM. I often wonder why they are choosing a mortgage company in the most impersonal way EVER, yet are desperately seeking one of the ...
03/01/2008
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