Buying a home feels like surgery without anesthesia!

Buying a home today is no longer a walk in the park. Contained in this video is a little explanation and a few tips on how to make it just a little bit better!  Read More →

Pre-approvals require commitment and documentation. It Matters!

I wanted to take a moment to address what it really means to get pre-approved. There are several thoughts out there and many may believe a little differently than I do. However, I am writing this to you the consumer. The times really have changed and the requirements to buy a home have come back in line with reality. Investors really want to make sure that you can AFFORD the home. This has lead to... [Read more]

President’s Day Push

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Ch Ch Ch Changes!!! This time for the better!

I feel that the word of the year or the anthem of the last 6 months has been change. With all the increased regulation and processing times I feel that the experience of home-ownership was starting to become a burden versus exciting. So I decided to make some changes that I know will help keep buying a home exciting and fun. Recently, I was able to throw a housewarming for a client, help another move... [Read more]

Efficient Lenders Needed! Reason #1 on how my team can help!

With all the changes in the lending landscape I think that it is important to change as well in some ways. The era of increased documentation has lead to increased processing times and paperwork delays. How then can a Loan Officer find the time to help promote their mutual business partners, be present at the networking meetings, attend the open houses, create the flyer’s and have the important... [Read more]

FHA Update and More! Video Blog!

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90 Day Anti-Flipping policy is waived for one year by HUD!

Have you gotten an accepted offer on a house only to find out that this is a flipped property and FHA will not insure your loan until the 91st day? If this has happened to you worry no longer. For one year HUD is waiving this requirement with a few restrictions.  Here is the update from National Association of Mortgage Brokers: On January 15, 2010, the U.S. Department of Housing and Urban Development... [Read more]

Business Partner Spotlight!

I wanted to let everyone know that I will be featuring local business partners that do amazing work right here on California Home Strategies site. The format will be an interview like process, question and answer, either in video or dialogue. The first two professionals that you will see soon. are Marguerite Crespillo of Sell State Realty First and David Pabalate of Farmer’s Insurance. They are... [Read more]

HUD Postpones Implementation of HVCC for FHA

Breaking news is that HUD has Postponed the implementation of HVCC for FHA loans until February 15th, 2010. This delay is too allow time for Lenders to adjust to the changes. It is a two part action plan: 1) Prohibition of Mortgage Brokers and commission based lender staff for the appraisal process 2) Appraiser selection for FHA Connection This will be effective for all case numbers after the 15th... [Read more]

Good Faith Exactimate, Merry Christmas and Happy New Year:)

January 1st, 2010 all loans will be subject to the new Good Faith Estimate designed to make it easier to understand. More Details soon. If you are going to get a loan after the first make sure that you understand the new Good Faith Estimate.  Read More →

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