Greater Sacramento Mortgage News & Views

Mortgage and Lending - WealthWise Mortgage Planning, a Division of American Pacific Mortgage Corporation NMLS #1850 - NMLS 244226
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I attended my second Active Rain Meet-up last Friday at the Yard House in Roseville.  It was a great way to cap off a busy week and relax while exchanging war stories and information relating to our industry with other local Active Rain Members. I met several new members for the first time and wh...
If you are considering buying your first home, you may be able to do so with only a ½% down payment! FHA requires a 3.5% investment of your own funds when using FHA financing for a home purchase.  But, beginning March 1, 2012, the California Homebuyer's Downpayment Assistance Program (CHDAP) is o...
“No Closing Costs” Loan?  Think Again. I recently had two clients opt to use an online lender rather than me for their financing.  The reason?  They believed they were going to get a VERY low interest rate AND pay “no closing costs”.  That’s right.  Gonna buy a home with nothing more out of pocke...
What It REALLY Costs to Get a Mortgage Recently, I have had a few clients be shocked at closing cost quotes I have given them.  On each, I went back and checked my numbers very carefully and, yes, the quotes were right!  The client just didn’t realize that there were many costs associated with a ...
Help for California Homeowners with Financial Hardships   If you are a homeowner experiencing financial hardship, the California Housing Finance Authority (CalHFA) might be able to help! CalHFA has a mortgage assistance program called “Keep Your Home California”, a federally funded initiative for...
CHASE Hosts Ontario Event for Mortgage Customers Needing Assistance, November 17-19 For a non-hardship refinance, please call me at (916) 849-9200.
BofA Hosts Sacramento Event for Mortgage Customers Needing Assistance, November 17-19 For more information, see page 2. For a non-hardship refinance, please call me at (916) 849-9200.
Greece, the Fed and Inflation—Oh, My! How Do We Get Mortgage Interest Rates?   First, here’s how we don’t: There are three common misconceptions about how mortgage rates are determined: 1) solely by each lender, 2) by the Federal Reserve and/or 3) based on the 10-Year Treasury Note.  There are st...
I Got to Be a Hero for a Hero!   I recently got a call from a local REALTOR, asking me to contact a family member in Sacramento who needed to refinance. I called him and was delighted to discover he was veteran, just like me.  I met him at his home later that week. This gentleman had served over ...
Roseville’s New “Party Place” is Great for Kids and Grown Ups Alike!   The Party Place is Roseville’s newest and best play and party destination!  They are open for Open Play Monday - Friday from 10:00am-2:00pm and Thursdays from 4-7:30 pm.  The cost is $5 per child over 18 months, parents and ch...

Ed Gillespie

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