Jayne Combs's Blog

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Mortgage and Lending - Arbor Financial - NMLS#222444 DRE#01231515
The Federal Housing Finance Agency (FHFA) which oversees Fannie Mae and Freddie Mac have designed new rules when it comes to short sales, deeds-in-lieu and deeds-for-lease in order to help consumers avoid foreclosure.  There will be various stages to these rules with the first one taking effect J...
Did you hear what happend to DIY guru Colby Sambrotto, found of ForSaleByOwner.com?  I must admit that at least he attempted to practice what he has preached and found the proof wasn't in the pudding.  Read my blog to see what happened and use this on your next listing presentation or networking ...
Recently, Colby Sombrotto, founder and guru of forsalebyowner.com, decided to practice what he preaches about selling your home yourself.  Very interesting outcome.  Here's the link to my blog where I wrote about the crow he had to eat.  Use this information to your advantage when you go on listi...
Recently HUD has decided to make quite a few changes to their FHA program.  Everyone is aware of the increases in the Mortgage Insurance Premiums.  As if that wasn't enough, they are also placing restrictions on non-purchasing spouses in community property states that could prevent your buyer fro...
How many times has it happened to you that just when you're about ready to close a transaction, the buyer has quit their jobs, put a lump sum of cash into their bank account, bought a car, etc?  Print this and hand this to all of your buyers.  Enjoy! 10 Commandments When Applying for a Mortgage L...
d   NAR Spills Their Guts About Marketing to First Time Home Buyers! Now that I have your attention, I think you will find this information very interesting and useful.The 2011 NAR report called “Profile of Home Buyers and Sellers 2011” has just been released, with a huge amount of information th...
As a change of pace with all of the changes going on, I thought I'd bring some levity to my blog today.  I found these descriptions/phrases on various real estate websites and thought I'd bring them together here.  Be sure to let me know if you have one of your own or know of one you can add to t...
If you are in the State of California, I have a slide presentation that I can provide for you to send to your clients both via email, your website, and social media to advise them of this program.  In the content, it will also refer them to you to do a short sale in case they do not meet the HAR...
I am just truly amazed at how great our Diamond Express Product is working!  My processor turned in my Diamond Lane loan this morning before 9:00 a.m.  By 1:30 today I received my approval!  Same day as promised!  The only bad part is that we can't go to docs because we'd be out of compliance.  T...

Jayne Combs

Mortgage Analyst and Strategist
local_phone925 326-7880
business925 326-7880
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