Explore Victorville, CA

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...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 1
There is a great debate within the inner-mortgage circles these days. Should we, as loan professionals, encourage clients to borrow as much money as possible? Or would consumers benefit more if we helped them to understand the advantages of 15-year amortization schedules and pre-paying principal?...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 0
Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. Literally hundreds of loan programs are available, and it is important to find the one that best fits your ...

By John Caylor, Post Falls, ID Mortgages
(Infinity Financial Group)
Comments 6
Research is an important component of any large transaction.  I'm sure you'll agree that a home mortgage is one of, if not the largest financial investment a person will make in their lifetime.  I'm sure you'll also agree that given the importance of this investment you would want an industry pro...

By Val Rensink
(HomeSource Lamoreaux Group)
Comments 2
"Do not dispise small beginnings"  A vintage 727-100 manufactured in April 1966 for American Air lines just might be "a butterfly flapping its wings in Asia creates a hurricane in the US".  The Last Flight of "Bahja" happened last Wednesday. It was an end and a new beginning.  With outstanding ef...

Victorville, CA Real Estate Professionals