Mortgage-Loan

Feb. 28, 2020

Should I Buy a Home This Year?

Everyone's situation is unique. Therefore, I'll be happy to sit down with you and explain how this works for your particular circumstance. Call me at (510) 681-3499 or just click here to send a message to me.

Feb. 20, 2020

You May Have More Home Equity Than You Think

With home values appreciating, there's a good chance you have more home equity than you think. Let's connect to explore how you can use your equity in your next move.

Everyone's situation is unique. Therefore, I'll be happy to sit down with you and explain how ...

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March 29, 2018

Buyer Real Estate Market Frustration and How to Get Your Offer Accepted! [VIDEO]

The plan WAS to discuss the new tax laws taking effect, but went off on a severe tangent. We vent some frustration at buyers having significant difficulty getting their offers accepted. However, we discuss several different ways to help ensure that you DO get your offer ACCEPTED.

Maureen Torretto, Loan ...

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Feb. 5, 2018

Whether You Rent or Buy, Either Way You're Paying a Mortgage!

There are some people who have not purchased homes because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize, however, that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s.

As Entrepreneur Magazine, a premier source ...

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Jan. 23, 2018

Home Purchasing Power: The Trend is NOT your Friend!

Much has been said about the rising prices of real estate in the Bay Area. But this is only half of the story.

Here's the other half:Home Purchase Power - How Much House at $2,500 a month

This chart is quite a bit different from your typical 'interest rate' graph.

The key idea behind this chart, is to keep ...

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Dec. 13, 2017

What is the Cost of Waiting Until Next Year to Buy?

We recently shared that over the course of the last 12 months, home prices have appreciated by 7.0%. Over the same amount of time, interest rates have remained historically low which has allowed many buyers to enter the market.

As a seller, you will likely be most concerned about ...

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April 13, 2017

Home Mortgages: The Ups and Downs

The media has extensively covered the rise in mortgage interest rates since last fall (from 3.42% last September to the current 4.1% according to Freddie Mac). However, a less covered aspect of the mortgage market is that requirements to get a mortgage have eased while rates have ...

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Aug. 29, 2016

Watch Out! Don't Get Caught in the Rental Trap!

There are many benefits to homeownership. One of the top ones is being able to protect yourself from rising rents and lock in your housing cost for the life of your mortgage.

Don't Become Trapped

Jonathan Smoke, Chief Economist at realtor.com, reported on what he calls ...

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April 13, 2016

Rent? Buy? Either Way, You're Paying a Mortgage!

There are some renters that have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent free, you are paying a mortgage - either your mortgage or your landlord’s. 

As The Joint ...

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Oct. 16, 2015

Buying a Home? New Rules You Need to Know!

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Michael Koenig and Maureen Torretto discuss some new changes to real estate finance law. These new closing rules take effect October 3, 2015.

TRID is the New TILA RESPA Integrated Disclosures. The Loan Estimate replaces the initial Truth-in-Lending disclosure ...

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