Explore Victorville, CA

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 5
Interesting fact of the day: 55.5% of "wealthy" Americans have mortgages on their primary homes vs. 44.6% of the overall population.  This doesn't mean that the wealthy are more indebted than the rest of us; it means that the wealthy are maximizing the tax deductions that the IRS makes available...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 4
Pop Quiz: Which interest rate is lower?  8.25% or Prime Rate?If you answered anything other than "they are the same", then you can understand first-hand why banks refer to Prime Rate by name instead of by number.  It's a neat little piece of sales psychology that keeps people from recognizing th...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Your name is worth everything to you...it's your identity, it's YOU.  Here's breaking news you need to know...and you need to let all your family and friends know right away as well.    Few people realize that each time their credit is checked, the information provided to the credit bureaus (Equi...

By Val Rensink
(HomeSource Lamoreaux Group)
Comments 2
Southern California Logistics Airport, the City of Victorville, The Lions club  and Orbis had a party tonight.If you haven't heard about Orbis you should.  It is the only ONLY  Flying Eye Hospital in the world.The City of Victorville has adopted Orbis. The Southern California Logistics Airport is...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 1
Most of us sell only a few homes in our lifetime.  With such limited experience in real estate, how do you maximize the profits from your home sale?  Many home sellers make the critical mistake of thinking all Realtorsâ are the same.  They list with the first agent who comes along.  Does it make ...
Selling your home can be an exhausting experience.  Last minute walk-throughs, inconvenient calls, price adjustments and the possibility of being stuck with two mortgages are real concerns.  If you are not completely prepared, you could end up losing hundreds even thousands of dollars in profit.T...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 2
The right or wrong decision when signing your home mortgage can mean thousands of dollars difference in interest paid.  There are very important considerations to evaluate before you commit to a 15 or 30 year note.  For many of us, our mortgage payment is the most important financial decision we'...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 3
In the age of "I want, I need, and I must have", I think it's important to have the ability to see things on a larger scale. The gift of having perspective and to see our lives in comparison with the rest of the people who live in our world. It really does seem the world is getting smaller and sm...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Until recently, seniors 62 years of age and older have not had the best choices when it came to getting cash from their homes. Traditional home loans only offered the option of either selling one's house or borrowing against its equity. With reverse mortgages coming on the scene, seniors now have...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
IF YOU'RE A HOMEOWNER, then you're probably aware of the incredibly generous tax break available when you sell your home. Play your cards right and you can lock in a profit of up to $250,000 ($500,000 when you file jointly) and owe nothing to the IRS. This great deal was enacted in 1997 and came ...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Those who take property ownership seriously often look for options to build equity at a faster pace. An aggressive approach is to select a 15-Year loan program over a 30-Year mortgage.A 15-Year loan works well for homebuyers budgeting time and money, those who are possibly looking forward to a de...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 1
There are many pitfalls you can avoid when you are in the market to buy a new home. Here are just a few tips and strategies to help you prepare for success:Know your credit score! You may be able to get a better mortgage rate and more favorable loan terms by restructuring some of your balances on...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
There are many mortgage and real estate equity planning strategies that can really help you save money on taxes whether you are buying, refinancing or selling a primary home, vacation home or investment property. The Caylor Mortgage Planning Team brings a team approach to your situation by workin...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Buying a home is a major achievement in most everyone's life. Pride of ownership, tax breaks, equity and the ability to increase your wealth and net worth are just a few of the many benefits you'll enjoy with your new home. Your home purchase may also be one of the largest you will ever make. Dur...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
One commonly overlooked form of "predatory lending" is when banks and mortgage companies repeatedly encourage people to take out larger mortgages and home equity loans for "debt consolidation" or to spend more by basically consuming your home equity. This often results in spreading car loans and ...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
The appraisal process often baffles consumers. They may feel their home is worth a higher dollar amount, and the appraised value doesn't always make sense to them. It is important to know that appraisal guidelines are dictated by the lenders, and in some states, it is a requirement to also disclo...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 3
If you don't have an estate plan in place, don't worry...the IRS has one for you. But you may not like it, so it's always a good idea to get your finances in order and avoid incurring tax penalties and hefty estate taxes. Knowing the value of your estate and becoming familiar with several exempti...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
The federal government's Private Mortgage Insurance legislation is great news for the Real Estate Industry! Enacted on January 1st, 2007, the bill makes Private Mortgage Insurance tax deductible for potential borrowers whose personal adjusted gross income is less than $100,000. For millions of ho...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
But we're not talking about the latest top 40 hit by Mariah Carey!!It's the FED.  The Federal Reserve Board has hiked rates seventeen consecutive times over the past two plus years...and while they've paused in their hiking cycle for the time being, the hits they've given to rates have added up f...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
In today's world, a college education is more important than ever. Many of the jobs that do not require a college degree have been outsourced to workers in other countries, or replaced by a computer or machine. In addition, according to Fed Chairman Ben Bernanke, the income disparity between coll...

Victorville, CA Real Estate Professionals