MORTGAGE INTEREST RATE LOCK ADVISORY August 8, 2014, 8:15 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT The price for 3.50% Mortgage Loans based on MBS is currently up 0.13 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.02 to 4.14% on August 7 MBS (3.5%) - Currently 102.73, High: 102.84, Low: 102.6 DJI Stocks currently $16,428.48, Up $60.21, Change 0.366% Asian & European Stock Market Indexes changed -0.679% Crude Oil (WTI) Currently $97.56 - Change 0.23% Gold 1 Ounce - $1,309.99  MORTGAGE AND REAL ESTATE NEWS  Three Charged in Massive Mortgage Modification Scam Author: Brian Honea August Three men were arrested and cha... 08/08/2014

MORTGAGE INTEREST RATE LOCK ADVISORY August 7, 2014, 8:40 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: NEUTRAL The price for 3.50% Mortgage Loans based on MBS is currently down 0.04 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS    FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01 to 4.12% on July 31. MBS (3.5%) - Currently 102.47, High: 102.47, Low: 102.44 DJI Stocks currently $16,425.59, Down $17.75, Change -0.108% Asian & European Stock Market Indexes changed -0.742% Crude Oil (WTI) Currently $96.79 - Change -0.13% Gold 1 Ounce - $1,306.80    MORTGAGE AND REAL ESTATE NEWS  RealtyTrac: One-third of U.S. counties drop in home affordability - (2/3 Still Affordable BL) B... 08/07/2014

MORTGAGE INTEREST RATE LOCK ADVISORY August 6, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: NEUTRAL The price for 3.50% Mortgage Loans based on MBS is currently down 0.04 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS   FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01 to 4.12% on July 31. MBS (3.5%) - Currently 102.34, High: 102.58, Low: 102.30 DJI Stocks currently $16,443.07, Up $13.6, Change 0.083% Asian & European Stock Market Indexes changed -1.544% Crude Oil (WTI) Currently $97.79 - Change 0.42% Gold 1 Ounce - $1,307.79 MORTGAGE AND REAL ESTATE NEWS     Mortgage Credit Loosens in July Index Author: Tory Barringer - Credit availability opened up a little... 08/06/2014

MORTGAGE INTEREST RATE LOCK ADVISORY August 5, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: NEUTRAL The price for 3.50% Mortgage Loans based on MBS is currently up 0.19 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01 to 4.12% on July 31. MBS (3.5%) - Currently 102.13, High: 102.35, Low: 101.13 DJI Stocks currently $16,502.61, Down $66.67, Change -0.404% Asian & European Stock Market Indexes changed -0.633% Crude Oil (WTI) Currently $97.84 - Change -0.46% Gold 1 Ounce - $1,284.70  MORTGAGE AND REAL ESTATE NEWS     Banks Making Fewer Mortgages Because of New CFPB Rules, Fed Says by Donna Borak - Banks are granti... 08/05/2014

  MORTGAGE INTEREST RATE LOCK ADVISORY August 4, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: NEUTRAL The price for 3.50% Mortgage Loans based on MBS is currently down 0.23 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS   FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01 to 4.12% on July 31. MBS (3.5%) - Currently 102.5, High: 102.51, Low: 101.26 DJI Stocks currently $16,447.34, Down $46.03, Change -0.28% Asian & European Stock Market Indexes changed -0.155% Crude Oil (WTI) Currently $98.28 - Change 0.41% Gold 1 Ounce - $1,291.35 MORTGAGE AND REAL ESTATE NEWS       First-Time Homebuyer Age to Rise as Millennials Delay Author: Tory Barringer - As homeownership... 08/04/2014

MORTGAGE INTEREST RATE LOCK ADVISORY August 1, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently down 0.31 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01 to 4.12% on July 31. MBS (3.5%) - Currently 102.16, High: 102.17, Low: 101.67 DJI Stocks currently $16,537.87, Down $25.43, Change -0.154% Asian & European Stock Market Indexes changed -0.603% Crude Oil (WTI) Currently $97.16 - Change -1.03% Gold 1 Ounce - $1,294.36  MORTGAGE AND REAL ESTATE NEWS     317 Dow drop won't hurt mortgage rates -- but today's news may by Ryan Smith The Dow plunged more t... 08/01/2014

FAQs Regarding The California HCD   Mobilehome Park Residency Law   Part 1   With an ever increasing number of homeowners choosing to live in a     RENT/LEASE MOBILE or MANUFACTURED HOME PARK COMMUNITY     we are often called upon to answer questions about the rules and regulations governing these communities.   The following FAQ's are from the California Housing & Community Development's TITLE 25 Mobilehome Parks Act, Mobilehome Residency Law (MRL).   This is being presented in its original unedited and unabridged format with minor enhancements for easier reading.   Does state law regulate rent increases in mobilehome parks? No, state law does not regulate the amount of a rent increase in a mobilehome park. However, the MRL requires a park to give residents a 90-day advance written not... 07/31/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 31, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.04 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01 to 4.12% on July 31. MBS (3.5%) - Currently 101.83, High: 101.87, Low: 101.59 DJI Stocks currently $16,728.61, Down $151.75, Change -0.907% Asian & European Stock Market Indexes changed -1.111% Crude Oil (WTI) Currently $99.41 - Change -0.86% Gold 1 Ounce - $1,286.69  MORTGAGE AND REAL ESTATE NEWS     Fed to Cut Monthly Bond Purchases to $25B Author: Tory Barringer - Fed Leaders at the Federal Reserve... 07/31/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 30, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: NUETRAL The price for 3.50% Mortgage Loans based on MBS is currently up 0.41 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, Unchanged a 4.13% on July 24. MBS (3.5%) - Currently 102.14, High: 102.55, Low: 102.11 DJI Stocks currently $16,862.41, Down $49.7, Change -0.295% Asian & European Stock Market Indexes changed -0.102% Crude Oil (WTI) Currently $101.48 - Change 0.51% Gold 1 Ounce - $1,294.78 MORTGAGE AND REAL ESTATE NEWS     Refinancing Falls Further; Cash-Outs Tick Up Author: Tory Barringer - After fizzling out over the past... 07/30/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 29, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: NUETRAL The price for 3.50% Mortgage Loans based on MBS is currently up 0.06 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, Unchanged a 4.13% on July 24. MBS (3.5%) - Currently 102.33, High: 102.45, Low: 102.27 DJI Stocks currently $16,982.75, Up $0.16, Change 0.001% Asian & European Stock Market Indexes changed 0.62% Crude Oil (WTI) Currently $101.17 - Change -0.49% Gold 1 Ounce - $1,299.30  MORTGAGE AND REAL ESTATE NEWS     Increase in FHA Fees is Sinking Deals Daily Real Estate News - The Federal Housing Administration's rate ... 07/29/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 28, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: NUETRAL The price for 3.50% Mortgage Loans based on MBS is currently down 0.02 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, Unchanged a 4.13% on July 24. MBS (3.5%) - Currently 102.36, High: 102.43, Low: 102.27 DJI Stocks currently $16,909.03, Down $51.54, Change -0.305% Asian & European Stock Market Indexes changed -0.33% Crude Oil (WTI) Currently $101.25 - Change -0.82% Gold 1 Ounce - $1,304.28  MORTGAGE AND REAL ESTATE NEWS     Large Lenders Loosen Credit Standards, Small Lenders Tighten Up Author: Krista Franks Brock- Credi... 07/28/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 25, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: NEUTRAL The price for 3.50% Mortgage Loans based on MBS is currently down 0.02 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, Unchanged a 4.13% on July 24. MBS (3.5%) - Currently 102.18, High: 102.39, Low: 102.04 DJI Stocks currently $16,971.97, Down $111.83, Change -0.659% Asian & European Stock Market Indexes changed 0.056% Crude Oil (WTI) Currently $101.10 - Change -0.95% Gold 1 Ounce - $1,294.37  MORTGAGE AND REAL ESTATE NEWS     New Home Sales Tumble in June; May Sales Sharply Revised Author: Tory Barringer - The second quar... 07/25/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 24, 2014, 8:30 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.25 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, Unchanged a 4.13% on July 24. MBS (3.5%) - Currently 102.19, High: 102.48, Low: 102.14 DJI Stocks currently $17,105.50, Up $18.87, Change 0.11% Asian & European Stock Market Indexes changed 0.771% Crude Oil (WTI) Currently $102.61 - Change -0.49% Gold 1 Ounce - $1,291.06   MORTGAGE AND REAL ESTATE NEWS       CFPB, FTC, States Take Action Against Three Foreclosure Relief Companies  by MortgageOrb.com - The Consu... 07/24/2014

Escondido Homes for Sale What Happened in the Escondido Real Estate Market in June 2014?   Escondido is an inland community, about 17 miles from the coast and just east of San Marcos. Like its neighbors, San Marcos, Vista and Oceanside, Escondido has seen fairly significant shifts in the real estate market with a large number of short sales and foreclosures, although that has shifted in the last year in a positive direction.   As a buyer or seller in the housing market in Escondido, understanding recent trends and current market conditions is essential so you can make informed decisions about buying and selling Escondido homes; media reports focus on general market conditions and therefore will not provide an accurate picture of the local Escondido real estate market.   READ MORE:  A To... 07/24/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 23, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT The price for 3.50% Mortgage Loans based on MBS is currently down 0.02 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.13% on July 17. MBS (3.5%) - Currently 102.59, High: 102.71, Low: 102.57 DJI Stocks currently $17,108.59, Down $4.95, Change -0.029% Asian & European Stock Market Indexes changed -0.001% Crude Oil (WTI) Currently $102.66 - Change 0.26% Gold 1 Ounce - $1,306.73   MORTGAGE AND REAL ESTATE NEWS      Foreclosures hit lowest level since May 2008  Twenty-six months of declines; prepay rate is upTre... 07/23/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 22, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT The price for 3.50% Mortgage Loans based on MBS is currently up 0.10 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.13% on July 17.MBS (3.5%) - Currently 102.41, High: 102.63, Low: 102.28 DJI Stocks currently $17,120.26, Up $68.53, Change 0.4% Asian & European Stock Market Indexes changed 1.287% Crude Oil (WTI) Currently $104.22 - Change -0.35% Gold 1 Ounce - $1,306.00   MORTGAGE AND REAL ESTATE NEWS        Is this why 3.6 million ready homeowners aren't selling in 2014?  One in three current mortgage holder... 07/22/2014

  MORTGAGE INTEREST RATE LOCK ADVISORY July 21, 2014, 7:45 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT The price for 3.50% Mortgage Loans based on MBS is currently down 0.24 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.13% on July 17. MBS (3.5%) - Currently 102.66, High: 102.66, Low: 102.41 DJI Stocks currently $16,976.02, Down $124.16, Change -0.731% Asian & European Stock Market Indexes changed -0.84% Crude Oil (WTI) Currently $104.09 - Change 0.93% Gold 1 Ounce - $1,313.99   MORTGAGE AND REAL ESTATE NEWS       Lenders Step Up as June Closings Rise  Author: Krista Franks Brock - While the time it took t... 07/21/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 18, 2014, 7:45 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT The price for 3.50% Mortgage Loans based on MBS is currently up 0.09 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.13% on July 17. MBS (3.5%) - Currently 102.41, High: 102.47, Low: 102.32 DJI Stocks currently $17,025.17, Up $48.36, Change 0.284% Asian & European Stock Market Indexes changed -0.322% Crude Oil (WTI) Currently $103.11 - Change -0.08% Gold 1 Ounce - $1,307.26   MORTGAGE AND REAL ESTATE NEWS       Is the investor rush on single-family homes the next housing bubble?  Affordable housing activists ... 07/18/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 17, 2014, 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT The price for 3.50% Mortgage Loans based on MBS is currently Down 0.18 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.13% on July 17. MBS (3.5%) - Currently 102.28, High: 102.34, Low: 102.07 DJI Stocks currently $17,139.51, Up $1.31, Change 0.008% Asian & European Stock Market Indexes changed -0.65% Crude Oil (WTI) Currently $102.26 - Change 1.05%  Gold 1 Ounce - $1,302.14   MORTGAGE AND REAL ESTATE NEWS       Builder Confidence Hits Six-Month High  Author: Tory Barringer - Homebuilder confidence in the sing... 07/17/2014

MORTGAGE INTEREST RATE LOCK ADVISORY July 16, 2014, 7:45 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT The price for 3.50% Mortgage Loans based on MBS is currently Up 0.04 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, Up 0.03% to 4.15% on July 10. MBS (3.5%) - Currently 102.08, High: 102.12, Low: 101.93 DJI Stocks currently $17,099.48, Up $38.8, Change 0.227% Asian & European Stock Market Indexes changed 1.228% Crude Oil (WTI) Currently $100.83 - Change 0.87% Gold 1 Ounce - $1,303.19   MORTGAGE AND REAL ESTATE NEWS       Home Values Expected to Depreciate in 20% of U.S. Markets  Author: Tory Barringer - With ongoing home pr... 07/16/2014