Kathy Hoare's (khoare) Blog

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Mortgage and Lending - First Priority Financial - NMLS# 252190
RECENT BLOG POSTS
Monday Morning Mortgages ~ Monday, May 2, 2011  (Today begins “National Bread Pudding Recipe Exchange Week”) Monday Morning Mortgages is a brief week-opening report on mortgages in our area.  This is a tool to assist my realty partners on loan trends, rates, program changes, and problem solutions...
05/02/2011
 
  Five Things First Time Home Buyers Don’t Know Being in our industry for so long, we forget that clients new to the home buying process really don’t know how things work. That is why Realtors and lenders working with first time home buyers must be willing and able to provide patient and generou...
04/11/2011
  Monday Morning Mortgages ~ Appraisals (National Procrastination Week, wait, maybe I should do this later...) Monday Morning Mortgages is a brief week-opening report on mortgages in our area.  This is a tool to assist my realty partners on loan trends, rates, program changes, and problem solutio...
03/07/2011
  Many homeowners I meet do not have their home and investment property assets in a living trust. A trust facilitates a smooth transition in the future when you are no longer around to manage these important assets. Your pre-designated trustee can manage your assets immediately upon your incapaci...
12/09/2010
  April 30, 2010 is the last day USDA Rural Development Home Loans will be committing to funding loans in Sonoma County.  This is a result of temporarily depleting funds.  Temporary halts in funding occur each year until Congress approves new funding for the program.  Expect to see funds again av...
03/22/2010
       Lenders have very specific guidelines and rules for a homebuyer who will be retaining their old home.  In lendspeak “departing property” is the property a home buyer is moving out of, but will retain, as they buy a new home to upgrade, downgrade or relocate.  In this tumultuous market of v...
03/08/2010
  Re-use Materials for Property in Sonoma CountyRe-use of material for property in Sonoma County are parts of your earth-impact responsibility.  When it comes to choosing materials for projects or repairs of a property, wise choices can help not only the environment but be easier on your pocket ...
02/12/2010
The toughest challenge by buyers' agents in Sonoma County now is getting an accepted purchase offer in the below $300k price range.  Many of the new buyers encouraged by the current low affordability index are first time home buyers using FHA financing.  Making a strong FHA purchase offer will g...
11/18/2009
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