Explore Victorville, CA

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 1
Points are up-front fees paid by the borrower to obtain a better interest rate on a loan. One point equals one percent of the loan amount. And while a lower interest rate may result in a lower monthly payment, it is important to consider how long you intend to be in the loan and to compare curren...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Since its inception, the Internet has caused a fair share of controversy. Some people see it as a valuable tool while others consider it the devil's playground. Wherever you stand, one thing is certain - it has changed our idea of commerce forever.eBay® is a perfect example. On this website, the ...

By Val Rensink
(HomeSource Lamoreaux Group)
Comments 0
Where do people go to talk about real estate in an open atmosphere where you feel carefree and not pressured? Well, just perhaps, at the Diamond Anniversary Celebration of the San Bernardino County Fair.  60 years in the making and still drawing crowds and headliner's. According to the new promot...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
When a bank, mortgage company or credit union approves your home equity line of credit (HELOC), it doesn't give you a check. Instead, you get a checkbook; sometimes you receive a debit card too. You can write checks as you normally would (or use the card), except that each use is really a loan ag...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
The Internet has revolutionized the way we live in countless ways. We are able to access news as it's happening, email friends and relatives all over the world, and purchase anything from cars to vacation packages with a few clicks of the mouse.What's ironic is that we frequently neglect to use t...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
1. Pre-qualification - Lenders are encouraging buyers to get pre-qualified for a mortgage so they'll know in advance how much house they can afford.2. Loan Search - Although buyers often use a lender recommended by their Real Estate agent, some prefer to do their own comparisons.3. The Hunt - The...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
The U.S. economy, interest rates, and the housing market are frequent topics on the nightly news. Viewers are told about leading economic indicators, how the stock market has performed, and whether the Federal Reserve is planning on changing interest rates. What isn't explained is how these items...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Interpreting one of the main challenges of today's mortgage market isn't as difficult as it might seem. With interest rates on the rise, a lot of consumers are extremely troubled by the negative effects of increasing interest rates on their Adjustable Rate Mortgages. Each month, they are forced t...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Does this scenario sound familiar? Your latest credit card statement comes in the mail, and there's an error. You know that it needs to be dealt with, but for some reason you keep putting it off. Then it hits you. The reason for your procrastination is that you just cannot bear the thought of cal...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Here is a link that will help you discover Victorville and some of the history behind it!!Victorville, California - Wikipedia, the free encyclopediaHope you find this site informative. Please don't hesitate to give me a call if you need any more information.   

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 6
In terms of the economy and its effect on our daily lives, there is no hotter topic than the outrageous prices we are seeing at the pumps. The maddening part is as consumers, we have zero control over these inflated costs. To make matters worse, there's always that person who says something like,...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Saving for your child's education just became a bit more complex as a result of the new tax bill passed last May. The Uniform Gifts to Minors Act (UGMA) is a popular program which allows minors to own stock in their name and, if they fall between the ages of 14-17, to pay taxes on the proceeds ex...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 2
The US government expects to collect some $2.6 trillion in tax revenue this year! That's a 6% increase over last year, and a 13% jump since 2005. With the tax season behind us, did you ever wonder how your tax contributions are spent? Well, according to the government's 2008 budget, nearly 71% of...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 5
The US Postal Service has introduced the "forever" stamp. This special stamp, good for any first-class letter weighing up to one ounce, is valid forever, no matter how much postal rates increase. That means consumers can purchase these special stamps at today's rate and use them for years to come...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
There are five factors that comprise the credit score. They are listed below in order of importance, just as an underwriter would look at the score:Payment History: 35% impact. Paying debt on time and in full has a positive impact. Late payments, judgments and charge-offs have a negative impact. ...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Write-offs are the government's way of rewarding taxpayers when they've done something the government likes. And to judge by the write-offs, the government likes it when people borrow money to buy a house. There are write-offs aplenty, many of which people often forget. Make sure you take advanta...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Annual Percentage Rate (APR) is a tool that consumers can use as a starting point to compare loan programs. However, it's important to keep in mind that APR is not a perfect system, and not all lenders calculate APR in the same way. While the Federal Truth-in-Lending Act does require any mortgage...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Buying a home vs. renting is a big decision that takes careful consideration, as most mortgage planners will agree. But the rewards of home ownership are great. For many years, purchasing real estate has been considered an extremely profitable investment. It is an achievement that offers a sense ...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
One of the biggest reasons homeowners refinance their mortgage is to obtain a lower interest rate and lower monthly payments. By refinancing, the borrower pays off their existing mortgage and replaces it with a new one. This can often be accomplished with a no-points no-fees loan program, which e...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay back the loan. The borrower's income and debt ratios are taken into consideration by the lender, as well as the predictability factor provided by credit s...

Victorville, CA Real Estate Professionals