From the category archives:

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Mortgage Emergency

by Scott Schang December 7, 2009 Uncategorized

A Mortgage Emergency occurs when your current lender either misinforms you, misleads you or just plain drops the ball!
We often hear nightmare stories from home buyer that are trying to save their loan, save their home and save their good faith deposit.
These home buyers often find us because we offer a lot of education and [...]

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Dream Home Finder

by Scott Schang December 7, 2009 Uncategorized

There are so many sites on the internet that list homes for sale. Most of these sites require that you enter your name and email address to get “details” about the home.
Often times this results in you getting unwanted phone calls or emails from a Real Estate Agent trying to get your business.
When you complete [...]

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Find Downpayment Assistance

by Scott Schang December 7, 2009 Market Updates

Downpayment Assistance is a valuable help for home buyers looking to purchase your first home. Many Cities, Counties and even the State of California have down payment, closing cost assistance or both.
The challenge is, they are very difficult to find, funding is usually exhausted very quickly and the qualifications are different depending on where you’re [...]

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Quick Apply Mortgage Approval Inquiry

by Scott Schang December 6, 2009 Uncategorized

Complete this Quick Apply form to give us just enough information to get you started on the loan application process.
This simple form should take less than 5 minutes to complete. Make sure you leave the best time and number to reach you so that we can get back to you right away.

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Complete Loan Application

by Scott Schang December 5, 2009 Uncategorized

Complete this simple application to begin the Pre-Approval Process. This is a complete loan application and will require approximately 10-20 minutes to complete.
If you would like to just provide some basic information to get started on the process, you may want to try the “Quick Apply” feature.

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Buyers Beware: I Suggest You Give Up Your Rights

by Scott Schang November 24, 2009 Buyers Beware!

This is a “Multiple Offer Disclosure” that a home buyer received yesterday by way of email.
I’m not completely sure as of this point whether or not some of the information in this disclosure has been approved by the seller or the seller’s attorneys. I suspect not.
It almost just seems to me that the listing agent [...]

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California Housing Finance Agency (CalHFA) – First Time Home Buye

by Scott Schang November 10, 2009 Uncategorized

Program Summary
The California Housing Finance Agency offers First Time Home Buyer programs to specifically meet the needs of home buyers in the State of California. CalHFA offers first mortgages to 95% with a wide variety of down payment assistance options that results in essentially no money out of pocket for down payment and in some [...]

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The Nehemiah Program – Down Payment and Closing Cost Assitance Grant

by Scott Schang November 10, 2009 Uncategorized

NOTE: The Nehemiah Program is no longer available as of October 2008.
Program Description
Thanks to The Nehemiah Program ®, more than 250,000 individuals and families now own homes.
Let us help you achieve the American dream:

Gift funds up to 6% of the final contract sales towards your downpayment and/or closing costs
Gift funds for both first time and [...]

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California State Teachers Retirement System – CalSTRS 95/5 No Down Payment Home Purchase Loan Program

by Scott Schang November 10, 2009 Loan Programs

NOTE: The CalSTRS 95/5 is Suspended Until Further Notice
Program Summary: CalSTRS is the California State Teachers Retirement Program providing retirement related benefits to teachers in public schools and Community Colleges in the State of California. Facts about CalSTRS:

Largest U.S. Teachers Retirement Fund
2nd Largest U.S. Public Pension Fund
CalSTRS assets stands at $164 Billion as of March [...]

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National Association of REALTORS® Summary of Key Provisions of HR 3221 – The Housing Stimulus bill (as of 7/28/08) – Complete with my .02 to make sense of it all

by Scott Schang November 10, 2009 Uncategorized

This is a summary provided by the National Association of Realtors® yesterday ( 7/28/08 ) – under each section I will translate into English because much of this sounds like it was written by lawyers.

The NAR summary will be identified with a bullet point, my commentary identified as NOTE:
Following is a summary of the key [...]