Todd Galde Home Loans

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Mortgage and Lending - RPM Mortgage
RECENT BLOG POSTS
  I read a great article this morning that really hit home for me, titled Seven Rules for Lead Follow-Up.  Written by Dirk Zeller, Real Estate Trainer and Coach, the information is applicable to anyone in Sales, not just Real Estate or Mortgage Lending.  Heck, it’s applicable for stay-at-home mom...
04/22/2011
Born between 1979 and 2000, “Millennials” also known as “Echo Boomers” or “Generation Y,” are key to today’s purchase market. Based on 2010 U.S. Census data, there’s approximately six million more Millennials in the prime “First Time Homebuyer” age group (ages 20 – 31) than there were Baby Boomer...
04/12/2011
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My team originates both conforming and jumbo loans.  But what are the differences between the two?  Conforming mortgages are appropriately named;  they “conform” to the mortgage underwriting guidelines of Fannie Mae or Freddie Mac.  Conforming loan limits vary by property type, and are typically...
04/04/2011
Why a “short” sale is never… uh, short. Most folks these days know what a Short Sale is, but here’s a quick review:  A short sale is the sale of a home where the sales price being offered by the new buyer is less than the amount owed on the property by the current home owner.  The lender being “...
03/10/2011
  Six Tips for Choosing a Real Estate Agent Choosing the right Real Estate agent is one of the most important decisions a home buyer or seller can make.  Before the home buying season begins to heat up this spring, here are some pointers for finding the agent that’s right for you. Investigate the...
03/04/2011
  “If you don’t own a home, buy one.  If you own one home, buy another one, and if you own two homes, buy a third and lend your relatives the money to buy a home.” Words spoken from the mouth of a mad man?  Not quite.  The comments above were spoken to a standing-room-only crowd to the University...
01/24/2011
  Fannie Mae launches new website, www.KnowYourOptions.com, to help homeowners make hard decisions regarding their home and mortgage, many of whom are "under water" and/or consistently missing mortgage payments. I admit, it's a little tongue-in-cheek, comparing the choice between Foreclosure and ...
01/17/2011
If you’re in the process of refinancing or looking to get qualified to purchase a home, one of the biggest changes you’ll notice this year will be the COST of acquiring a loan these days.  Both Fannie Mae and Freddie Mac (congressionally chartered mortgage investors) will have additional fees ap...
01/09/2011
Could someone please help me understand why buyers think getting in to contract on a purchase before selling their existing home is ok?  And how about when the buyers have not even listed their existing home yet?!  I would love to say, "Hey, I love the optimism, Mr. Smith." but these days I find ...
07/27/2010
Here's a great short blog regarding the deductibility of mortgage insurance.  Be sure to check the IRS website as well.  Thank you Lenn!IS THAT ORIGINATION POINT ON YOUR HUD-1 DEDUCTIBLE?  READ THE IRS WEB SITE AND THE ANSWER IS PROBABLY YES, YES, YES. YOU'D BE SURPRISED HOW EASY THE IRS WEB PAGE...
07/26/2010
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Todd Galde

local_phone(925) 263-3087
smartphone(925) 381-8190
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Helping Home Loan consumers and Realtors who serve them to become more empowered during the home buying (or refinancing) process. Because "your mortgage matters", it's important to pay attention to the details and treat it with the importance it deserves.