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01 March 2010
(New Law):Buyers:Please get a Good Faith Estimate (GFE) from your lender...for your protection

*At the bottom of this post is a Sample GFE in PDF . If you plan to take out a mortgage or refinance any time soon, you might want to hear this blunt message from federal officials: Don't fly blind. When you're shopping among competing lenders Read More...

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Filed under: Finances, Lenders, Good Faith Estimate Law, GFE attached

 

Attachment(s):Fillable GFE.pdf

24 February 2010
Loan Products are still abundant...even for Self-Employed!!

Here is a list of the LOAN programs that are still available. Even if you are Self Employed!! - Stated Income Verified Assets- UP TO 60% LTV (Self Employed Only) - Verification Of Employment ONLY (VOE - NO INCOME, NO 4506T) - UP TO 80% LTV (Wage Earner Read More...

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Filed under: Finances, Rates, Lenders, First Time Buyers, Self Employed Loan Programs, eBroker Loan Dept

 

31 July 2009
Lender Questions-My Interview with Dean Wong at First Capital Mortgage

It is with great pleasure to post my Interview with one of my favorite Lenders Dean Wong at First Capital Mortgage. (His contact is at the end of my post). Tom: Hello Dean. How are you doing? Dean: Great Tom Tom: 1).I have heard that there are some changes Read More...

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Filed under: Market Conditions, Finances, Rates, Financials, Interest Rates, First Captial Mortgage, Dean Wong, Lenders, Fed Action, FHA loans, Foreclosures

 

26 September 2008
Lender Interview w/Dean Wong-Part II

My Lender Dean Wong and I sat down for Part II of our Interview on Finance 101: Thomas Ray : How are interest rates figured and how do I compare lender rates? Dean Wong :Rates are determined by the overall economy and supply and demand of money. Best Read More...

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Filed under: Finances, Financials, Interest Rates, First Captial Mortgage, Dean Wong, Lenders, FHA loans

 

25 September 2008
What is an FHA loan and why are they HOT???

11/24/2008 FHA Update: -Down payment is now 3.5% (was 3%) -Minimum FICO score is 580 The FHA was created in the ashes of the Great Depression to boost home buying, but over the years its influence waned. Fannie Mae and Freddie Mac took over market share Read More...

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Filed under: Finances, Buyer Information, Home tips, Buyers Market, First Captial Mortgage, Dean Wong, Lenders, Dave Campbell

 

16 September 2008
Best time to buy in 35 years..Rates are low!

Money is "Dirt cheap". 5.75% on 30-yr with 0 points.. Per my Lender Dean Wong. Contact Dean Wong Thomas Ray-310-420-1149 www.LAexclusiveProperty.com www.RealEstateBlogLA.com Read More...

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Filed under: Announcements, Finances, Buyers Market, Interest Rates, First Captial Mortgage, Lenders