Over the past year, there have been numerous failures in the banking and lending industries. Even the government tried with it's own feeble attempts to help borrowers with several failed programs such as Hope Now, FHASelect and the up and coming Recovery Act of 2008, But who would have thought t...
Over the past year since the mortgage and housing implosion has started, we have only heard about Fannie Mae this, and Freddie Mac that. Mortgage companies have come and gone, some deservedly. Fannie, Freddie and FHA maximum loan limits have been adjusted upwards, thanks to the stimulus package ...
Do you like vintage, classic custom cars and trucks? Do you miss the old days of the Do Wop bands? Then you need to plan for the the Peggy Sue's All American Cruise on June 14th and 15th at A Place to Play Park 2375 3rd Street Santa Rosa CA. There will be music from Do Wop bands, along with some ...
Over the past few months I have had both current clients and potential clients calling and asking why haven't the interest rates dropped more. "The Fed Funds Rate is really low." "How long will it take for mortgage rates to go down also?" "I'm going to wait a little longer, I know they will drop ...
Santa Rosa Home Loans-First Time HomeBuyers It's Scary-Ascent Home Loans
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As we go through life, there are a number of firsts for all of us. The first time we take a step. Our first word. First time we drive a car. But one of the scariest firsts is the first time we purchase a home.All the processes and steps we have to learn and remember. Finding a real estate agent a...
Marty Roberts of Solar Sonoma County just emailed me with some exciting news. Santa Rosa was recently named one of 12 new "Solar America Cities," which qualifies the city to receive federal funding and technical assistance for project implementation of its Solar Sonoma County grant proposal. Th...
New Rules For First Time Homebuyers-Santa Rosa Home Loans-Ascent Home Loans
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Never before have things changed so quickly in the mortgage industry. Interest rates increase and decrease depending on the markets, on an hourly basis. Loan programs are being changed sometimes on a daily basis, others are being discontinued all together. With this in mind, first time homebuyers...
My name is Karen Curran. I was an escrow officer for 18 years, loved the business, hard to work in an office. Four walls and a time clock. I love what I do. I am a mobile notary, a certified loan signer and like to put the clients at ease with so many documents. The internet and promoting yo...
Over the past few months, I have had the same recurring question from borrowers in regards to what does locking a loan mean and floating a loan. Both principles are pretty straight forward and easy to explain. LOCK A LOAN When your loan officer suggests that you lock your loan, what he/she is ac...
With less than 30 days left until April15th, many homeowners are scrambling to get their paperwork together for their tax preparer appointment. In all the frustrated and anxiety filled moments before the meeting, many homeowners may forget a few of the tax deductions they may be allowed. As a rem...
Santa Rosa Home Loans-New Conforming Rates For Santa Rosa and Sonoma County-Ascent Home Loans
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On the heels of the Federal Housing Administration's increases in the maximum loan amounts for Sonoma County, both Fannie Mae and Freddie Mac have released their increases today March 7,2008. Following the lead of FHA, the new conforming rate for Sonoma County will be $662,500. Although this incr...
Santa Rosa Home Loans-New FHA Loan Limits For Santa Rosa and Sonoma County-Ascent Home Loans
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With the mortgage crisis in full swing, a temporary reprieve has finally come from the Federal Housing Administration. As of March 05,2008 the FHA maximum loan limits for Sonoma County have been raised from $362,000 to $662,500. What this means for both current borrowers and future home-buyers i...
As many of us have heard, the new stimulus package passed by both the Congress and Senate, and signed by the President will raise the loan limits for FHA loans until the end of the year December 2008. These new loan limits will be increased from the former California FHA loan limits of $362,000 t...
As a National Mortgage Banker, Ascent Home Loans has provided innovative lending solutions for over 10 years. With our state of the art technology, I can give you quick loan decisions when you need to refinance, or fast pre-approvals that will give you that edge when negotiating for a new home. ...
EARTH DAY ON THE GREENWAY Celebrate Earth Day by helping clean up Santa Rosa Creek. Improve and restore habitats and native plants. Santa Rosa creek is the home of otter, a variety of birds and steelhead. There are hiking and biking trails along the creek and welcome shade in the summer time. ...
Whatever you do, don't wash those medications down the drain! Those medicines may be good for you but they are very bad for our water. Water treatment facilities do not have the ability to remove toxins. They are better off in a landfill than in our waterways...but now there is another option....
Here's yet another reason for Sonoma County Residents to be proud of our Sonoma County governmental leaders who are now paving the way for more alternative energy resources. Called Solar Sonoma County they have announced joint plans to triple solar-generated electricity in the next three years.T...
With the passing of the stimulus bill now behind us, in a few short weeks Fannie Mae, Freddie Mac and FHA will release their new guidelines on loans above the conforming loan limit of $417,000. Although this will help to stimulate refinances and home sales, there are two things that homeowners lo...
With the new stimulus package being nearly passed by the President, now is the time to start thinking about refinancing out of those higher interest option arm rates or purchasing a new home. We all know how California has suffered through this housing slump, mainly because of our higher median h...
The Senate has recently passed Senate Bill S 2338 which changer dramatically the structure of the standard FHA programs. In recent years FHA programs have not been used to any extent here in California due to the median home prices being much higher than the $362,790 loan limit established for mo...
