Explore Victorville, CA

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...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
If you're thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage professional needs to know why you want a home improvement loan. Here are some factors to take into consideration.•·  How long have you been in the home?•·  Will t...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
It's all over the news. Subprime mortgage companies are in the midst of a true crisis! According to The New York Times, over two dozen lenders have already closed their doors for good. In fact, more than half of the top 25 mortgage companies from 2006 have either reported serious losses, been sol...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
When a marriage ends in divorce, the lives of those involved are changed forever. During this time of upheaval, one thing that shouldn't have to change is the credit status you've worked so hard to achieve.Unfortunately, for many, the experience is the exact opposite. Unfulfilled promises to pay ...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
With interest rates still near 40-year lows, is a 30- year, fixed-rate mortgage the right choice? While the mass media's response is usually yes, my reply is NO. Today's market is much different than the market and lifestyle of the previous generation. That generation typically had one job, one p...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
The mortgage planning process is different than the typical "shopping for a mortgage" experience. The mortgage planning relationship is not about you: Wasting your valuable time trying to save $25/month by comparing rates, fees and closing costs among different lenders. Wasting your valuable time...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 1
Finding a mortgage that's right for you should be easy. There are literally hundreds of options to choose from, including Fixed Rate, Adjustable Rate, Hybrids, Interest Only, Monthly Option ARMs, and Pay Select Mortgages, to name just a few. Mortgages are available at rates ranging from an introd...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Did you know that the major credit bureaus sell your personal information? It's true! Known as "trigger leads", the files of borrowers applying for a home loan are immediately flagged, packaged, and sold by the credit bureaus to the highest bidders. For about $25 to $100 or more, your name and ce...

Victorville, CA Real Estate Professionals