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Sherman Oaks, CA Real Estate News

By Hayden Gerson
(HPM Financial LLC)
How Purchase Loans Are Made A Step-By-Step Walkthrough1.Pre-approval - Getting pre-approved for a mortgage allows borrowers to know exactly how much house they can afford. Viewed as "cash buyers", pre-approved borrowers have greater negotiating power as well.2.Loan Search - Buyers should seek the advice of an experienced mortgage professional, someone who will help determine which financing options best suit their needs today and in the future.3.Loan Application - It's crucial that consumers supply the lender with as much information as possible, as accurately as possible. All outstanding debts as well as assets and income should be included.4.Documentation - Buyers must submit paperwork supporting the application as well. Information commonly sought includes pay stubs, two years' tax r...
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By Hayden Gerson
(HPM Financial LLC)
Get the correct financing custom tailored to your overall goals: We specialize in mortgage planning. We primarily work with primarily work with accountants and financial planners who send us their clients to make sure that the sherman oaks mortgage they have is congruent with their overall financial goals. We specialize in purchase and refinance transactions helping the client to be liquid after retirement as well as to lower the clients payments in order to have more money to invest while maximizing tax deductions. We are not your "typical" lender as we use a consulting approach. We work 90% of our business by referral.  Buying a new home: The agents at America One Mortgage and Realty are proud to be members of the National Association of Realtors®. This means that we abide by the code...
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By Hayden Gerson
(HPM Financial LLC)
After bottoming in the fourth quarter of 2006, existing-home sales are forecast to gradually rise through 2007 and into 2008, while new-home sales should turn around by summer, according to the latest forecast by the NATIONAL ASSOCIATION OF REALTORS®. "With all the wild projections by academics, Wall Street analysts, and others in the media, it appears that much of the housing sector is experiencing a soft landing," Lereah says. "Despite the doomsayers, household wealth will not evaporate and the economy will not go into a recession. If you're in it for the long haul, housing is a sound investment."Soft Landing for HousingThe unemployment rate is likely to average 4.8 percent in 2007, following a rate of 4.6 percent in 2006. Inflation, as measured by the Consumer Price Index, is expecte...
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By Hayden Gerson
(HPM Financial LLC)
Current Market Rating: 312345Buyer'sSeller'sCurrent Price Trend: 312345FallingRisingThe latest forecast for the California housing market's reversal of fortunes jibes with a previous outlook predicting flat, rather than falling home prices in California for the next few years. In 2007, California home prices will slip only 2 percent, while sales will be off 7 percent, according to the California Association of Realtors'. "The housing market clearly down shifted in 2006 from the record-setting sales and robust price gains of the last few years," said CAR president Vince Malta. "The residential real estate market in 2006 was characterized by a gap between buyer and seller expectations. Sellers sensed that the peak of the market was approaching, yet still hoped to obtain the highest possib...
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Yearly reviews are a great way to keep on track with your financial goals. You’re probably already meeting with your financial advisor and other asset manager for quarterly or annual reviews, and you should do the same with your Mortgage Planner as well. An annual mortgage check-up is an ideal way to make sure your mortgage is still having the maximum positive impact on your overall financial plan.  A lot can happen in one year.  The market can take turns that can open up new opportunities, such as reduced interest rates, new loan products or changes in home values.  Furthermore, your personal and financial situation could be mildly to radically different than it was just 12 months prior. Perhaps one or more of the income earners got a raise or lost a job. Maybe you received an inherita...
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By Hayden Gerson
(HPM Financial LLC)
In slower markets, some loan officers may feel pressured to close deals that aren’t in the homeowner’s best interest. In order to avoid getting into difficult and financially compromised positions with their mortgages, borrowers are well advised to be acutely aware of the signs of a responsible loan officer when selecting a mortgage professional.First, look for a Mortgage Planner whose values are focused on helping individuals to achieve their financial goals in both the fastest and the safest way possible. A reputable Mortgage Planner will show you the numbers associated with the proposed loan and provide you with concrete information that backs up his or her claims. Review all of the numbers. If they don’t add up, ask for clarification. If your loan officer can’t or won’t answer your ...
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