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Homebuyers Saving Grace!

Apr 12, 2011 (0) comment

The Guy In The White Hat Comes To Homebuyers’ Rescue! Ever since we opened our doors in Sonoma County in 1988, we’ve given extra care to round up people who have been “Turned Down Elsewhere?” – because of credit, income, the property or a combinations of these. We are the local Hard Money Lender who…

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Homebuyers’ Rescue!

Mar 14, 2011 (0) comment

Guy In The White Hat Comes To Homebuyers’ Rescue!      Ever since we opened our doors in Sonoma County in 1988, we’ve given extra care to round up people who have been “Turned Down Elsewhere?” – because of credit, income, the property or a combinations of these.       We are the local Hard Money Lender…

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PRIVATE MONEY Is that a good loan?

Feb 11, 2011 (0) comment

             As a Private Money lender for the last 20 years I have been asked many, many times – “Is that a good loan?”   Initially I would do the analysis of the house payment compared to 30 year fixed rates and the costs divided by the number of years they’d have the loan, blah, blah,…

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THE TRUTH ABOUT LENDERS AND LOAN OFFICERS

Jan 24, 2011 (0) comment

The real theme of this article should be all the change- and it has been an avalanche – wrought by the government in recent years to handle something that simple attrition has fixed. The problematic players in the real estate debacle, both the banks and the unscrupulous loan agents have, in the main, fallen out…

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IS IT A BUYER’S MARKET OR A SELLER’S MARKET ARE YOU CONFUSED?

Jan 11, 2011 (0) comment

What is a Buyer’s Market?  It’s a market were the buyer is in charge.  There are more homes on the market than there are buyers.  Buyer’s Rule! What is a Seller’s Market?  This is a market where there are more buyers than sellers and the offers are plenty, driving the price of the home up. …

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4 Ways to Buy a Home

Dec 29, 2010 (0) comment , , , , , , ,

 Newly Built Home – There are still newly built homes on the market.  In the Sunday section of the paper these are highlighted with a map.  Sometimes there is special financing available through the builder. Resale Home – These are homes for resale by the owner.  Sometimes the owner still lives in them and sometimes…

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The Wave Is Coming

Dec 27, 2010 (0) comment , , , , ,

We keep hearing reports that the foreclosure wave is coming. It’s on the news and in the paper. Maybe it is, maybe it isn’t. We have not seen much evidence of it in Sonoma County. Here’s what we know so far… Fannie Mae has been holding back flooding the market with foreclosures so prices stabilize.…

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WHAT IS A “HARD” MONEY OR “PRIVATE” MONEY LOAN

Dec 15, 2010 (0) comment , , , , , , , , , , ,

There are several types of loans you can use to purchase or refinance. This applies whether you are buying a home to live in; a home to rent out; or a commercial building. They include the standard 30 year fixed rate mortgage; the government FHA/VA loans; a commercial property SBA loan; or a private money…

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