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Mortgage Meltdown Seminar Recap - September 18, 2008
On September 13th, 2008 I was honored to be a speaker at the Mortgage Meltdown Seminar hosted by the Crenshaw Christian Center in Los Angeles. I learned a lot about what's still happening to borrowers by unscrupulous loan officers, met a lot of great people and hopefully was able to help some people out.This show gives a brief rundown of some items you should be aware of for yourself and your friends.Listen to "Mortgage Meltdown Seminar Recap"If you have any questions you would like us to ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Fannie Mae and Freddie Mac Bailed Out - September 11, 2008Fannie Mae and Freddie Mac were bailed out by the U.S. Government this week. What does it mean to you? Not much on the surface, but you will see interest rates on mortgages drop. Rates already fell about 1/2% but we likely will see a little more of a drop.The plan to bail them out involves 4 steps. 1. Buy peferred shares to increase their liquidity, 2. Provide a secured lending facility, 3. Decrease their portfolio size beginning in 2010 and 4. buy mortgage backed securities. Of these ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
How to Survive The Mortgage MeltdownCome join me on September 13, 2008 at the How to Survive The Mortgage Meltdown town hall meeting. It starts at 10am and will last until 2pm. I will be a panelist along with other noteworthy real estate industry professionals.A lite lunch wll be served at 12pm. Where: Crenshaw Christian Center 7901 S. Vermont Ave Los Angeles, CA 90044When: September 13, 2008, 10:00AMRSVP by callng (323) 758-3777 x4125Click here to see flyerhttp://www.text-link-ads.com/xml_blogger.php?inventor ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
FHA Loans, The 3 best reasons - September 4, 2008FHA loans have increased in popularity due to their availability and 3 main reasons. 1. Gift Funds, 2. Non occupying co-borrowers and 3. Slightly blemished credit historyFHA Loans allow the above 3 factors to be present on a loan. Now please keep in mind you can't have awful credit, but FHA guidelines allow slightly tarnished credit if you've been a good payor over the last 12 months. Listen to this week's podcast for more details.Listen to "FHA Loans, The 3 best reasons"If you have any q ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Housing Relief Bill, Will it help You - August 28, 2008We get a ton of questions every week regarding the Housing Relief Bill. This latest economic stimulus type Bill which passes the Senate has the following three goals: 1. Help distressed homeowners, 2. Tax credit for First time homebuyers and 3. Permanently increase Fannie Mae loan limits to $625,000. The most shocking provision of the Bill requires lenders to reduce a borrower's loan balance to 90% of the home's appraised value. The distressed borrower will then be able to refinance to an ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Mortgage Payments and Stated Income Loans - July 24, 2008Will the Housing relief bill help? This week we answer a listener's question whether or not the new housing bill will help him. We also had another listener ask us why he just can't seem to get a loan to buy a house. He has perfect credit, makes good money, and is putting in a big down payment. But he is self employed and his income is seasonal, high in the summer and low in the winter. He is a perfect candidate for a stated income loan. However, those loans do not exist anymore. Li ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Indymac, Fannie, Freddie and You - July 17, 2008This week brought the collapse of Indymac Bank. Their collapse wreaked havoc in the financial markets, but it can have a greater effect on individual depositor's stress levels. This could be witnessed in the unnecessary bank run on Indymac this week. Many people do not realize they should not keep more than $100,000 in any bank. Insurance only covers up to $100,000 in deposits, any amount over that is negotiable to as low as 50 cents on the dollar. But for those who have a smaller amount ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Low Rates versus Low Prices - July 3, 2008This week we help out a listener who couldn't get a straight answer to a simple question.....Is it better to buy when interest rates are low or house prices are low? Our listener asked several people, but unfortunately, this industry is still full of inexperienced people who don't know a 30 year T-bond from a Fannie MBS. Fortunately we want you to be armed with knowledge so you get the best loan possible. We answer this question in depth and take a quick step on the soapbox about the rea ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
FHA Loans, 2nd Homes and Rental Homes - June 26, 2008FHA loans can be the greatest thing since sliced bread for some people. A buyer can receive gift funds, use a non-occupying co-borrower and put less money down than on your typical home loan. These are great loans for 1st time homebuyers or just about anyone who needs a little extra push to buy a home. We also answer a listener's question regarding the difference between a 2nd home and an investment property. There are different qualifications, interest rates and a few other things we di ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Housing Equity and Short Sales - June 19, 2008The Federal Reserve released their latest report on Housing prices across the country. It reported homeowners have lost a combined $880 billion over the last 12 months. But it's not as bad as it sounds, we'll tell you why.We also answer a listener's question regarding Short Sales. We explain how they work and why you need patience if you're involved in one. Listen to "Housing Equity and Short Sales"If you have any questions you would like us to answer on our show, please call our listen ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Recessions and Housing Prices - June 12, 2008Are we in a Recession??? Technically no, but a lot of people feel like they are. With gas prices up and housing prices down, psychologically people feel poorer. So this tends to create a slow down in consumer spending. A full blown recession does not appear likely, but a commentator I like to read, John Mauldin, prefers to call it a "muddle through economy." By this he means we will meander our way through a period of no meaningful growth in the economy. This isn't good by any means, ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Credit Reports and REO's - June 5, 2008When you're getting ready to buy a new home, what's the first thing you think of......? Your credit report is correct. Three or four months before you begin shopping for a home you should get a copy of your credit report. This will help you save time in the long run for two reasons. First you will know exactly how your credit looks and second you will have plenty of time to fix any errors or information you didn't expect to find on your credit report. And if there are any errors you ca ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Appraisals, Upgrades and Renovations - May 29, 2008When you add a room to your house or put in a fancy backyard pool, does it help your home go up in value? And can you buy a home for more than it appraises for?On this show we give you insight as to what helps your home's value most in terms of bang for the buck, a new kitchen or a new pool. And we explain why some upgrades just don't create much value. Also, can you buy a home for more than it is worth? You can, but the obvious question is, why would you? We explain this recent, much m ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Housing prices bottoming - May 22, 2008This week we answer 3 listener questions. Have Housing Prices bottomed?, are Home Auctions worth my time to attend? and is a bank owned owned home easy to buy? We present some compelling reasons to believe that housing prices have reached bottom. Looking back at past housing market bottoms gives us a good idea what might happen this time.Home auctions are heavily advertised, but can you get a deal, or will a cash rich investor grab your dream home from you? Many people advertise seminars ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Economic Stimulus Package, Where's the stimulus and Quit Claim Deeds - Mar 16, 2008The Economic Stimulus package announced in March of this year has had little to no effect on the mortgage market. The first problem was many lenders didn't start offering it until this week, almost 2 months after it was made available. Secondly, the interest rates were high, and thirdly, nobody really knew about it. So, I'm here to tell you, That's all changed. Most lenders now offer the loan up to $729,750 and the rates are great. So get out there, buy a home and stimulate the economy. ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
The Fed Lowers Rates, What Does it mean to me? - May 9, 2008The Fed lowered interest rates .25% last week. What does this do for you? Unfortunately a lot of people, the media included, often think this means mortgage rates drop immediately. Usually the opposite is true. Mortgage rates will jump up then slowly settle down in a couple weeks. In this episode we discuss the Fed, give you more information about how they affect the economy then you would ever care to know and plead for your questions. We know you have questions so call our listener ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Buying a Home, is Now the right time? - May 4, 2008Is this the right time to buy a home? It might just be. Homebuilders are still building, the economy is slow but still humming along and homes are more affordable now due to the drop in values. It is a big step to take, but with 'REPO' Buses running around, the current low may be at hand. Outlying areas of California have declined in price as much as 48% with the national average home price declining almost 20%. The last big decline in home values in 1991 saw home values decline 20% as ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Loan Modifications, Do they really happen - April 25, 2008Loan Modifications have become a hot topic lately due to the subprime crisis, but are they the proverbial leprechaun with a pot of gold, or that elusive shooting star? We actually know two people that were offered incredible loan modifications from their lender. The interesting thing in both cases was neither were subprime borrowers and both were contacted by their lender. And one was our Co-host/producer. We'll tell you their stories and....If you're not feeling so lucky, you can conta ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Junk Fees - What are all these loan fees?- March 30, 2008A mortgage can be very expensive, on this edition we discussJunk Fees. What are these unnecessary fees and how do you avoid them on your home loan. You can save hundreds of dollars if you see one of these fees on your loan paperwork and simply ask your loan officer to remove it. Junk fees, Garbage fees, whatever they call them, they're not needed.Also we answer a listener's question about escrow impound accounts. Then we give a quick definition of equity.Listen to Junk Fees - Fees to w ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Fannie Mae Loan Limits increased to $729,750 - February 10, 2008The Economic Stimulus bill passsed with one of the benefits being Fannie Mae Loan Limits being increased to $729,750. It also increases Freddie Mac Loan Limits to $729,750 and it certain high cost areas FHA loan limits are being increased to $729,750. This should create a fresh round of refinancing by homeowners who currently have jumbo loans from $417,000 to $725,000. They will be able to lower their payments significantly. In addition people waiting on the sidelines to buy a home can n ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Questions and Answers - January 13, 2007You have all been busy sending us some very interesting questions. We welcome your questions because they offer a lot of information for other listeners, so keep those questions coming. On this week's show we answer 3 questions, Is this a good time to buy a house, Are prepayment penalties good or bad and Should my loan officer be licensed. Sit back, grab a cup of your favorite beverage and click below. Listen to "Questions and Answers"Show Notes:CA. Dept. of Real EstateTags: podcas ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
New Year's Resolutions for your Mortgage - January 6, 2008Happy New Year! Many people make resolutions to lose weight, stop smoking, etc. But this week we offer up a new resolution. A resolution to find out all about your mortgage. This is time well spent as your mortgage is probably the most important component in your family's finances. Listen to "New Year's Resolutions for Your Mortgage"Tags: podcast podcasting mortgages loan loans bank home finance money mortgage
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Listener's Questions Answered - December 30, 2007It's all about you on Mortgages Made Simple. This week we answer your questions and give you more insight into the often confusing mortgage world. And if you have any mortgage questions, Call the Listener Line at(714) 519-7833 Listen to "We Answer Your Questions"Tags: podcast podcasting mortgages loan loans bank home finance money mortgage
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The Loan Approval Process - December 23, 2007You've found your dream house, but now you need a loan. This week we talk about the loan process and what you should expect when talking to your loan officer. What information should you have ready when you interview with your loan officer, how long does it take to get a loan and is it really so hard to get a good loan?Listen to The Loan Approval Process, what should I expect?Notes: Previous show - What information do I need to provide to my loan officer?Tags: podcast podcasting mortgages ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
The Appraisal, What does it do for me? - December 16, 2007Many people wonder why they need an appraisal when they sell their home. After all, it sold pretty quick so it must be priced right.We discuss why you need an appraisal, what it covers, what the appraiser does when he comes to your house and other information about the appraisal step in the homebuying processListen to The Appraisal, what does it do for me?Tags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
The Current state of the mortgage industry - December 9, 2007What's going on in the mortgage industry today? On this episode we discuss the economic outlook and what the latest developments are in the mortgage industry. If you have any economic questions after listening to this show, please feel free to email or call us. We're always happy to help you with any mortgage questions you may have.Listen to The Current state of the Mortgage industryTags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
Explaining Escrow and Title Insurance - December 2, 2007The word "Escrow" always throws people into a tailspin. What is it, does it hurt, does it last long? We explain what it is, what to expect and what is involved with escrow. We also discuss Title Insurance and explain why you need it and what it protects you from.Listen to Escrow and Title Insurance - What to expectShow notes:Escrow information from RealEstateABCTags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
Home Inspections, What to expect - November 25, 2007Home inspections are absolutely critical in today's real estate market. In this episode we explain what a home inspection actually provides you. Does it provide you any insurance against home defects, how does it differ from an appraisal, are home inspectors licensed? We answer these questions and much, much more.Listen to Home Inspections - What to expectShow notes: California Real Estate Inspector AssociationFAQs about home inspections from HUDHome Inspection Info from the FHA Tags: pod ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
November 22, 2007 - Happy ThanksgivingEach year we sponsor a charity golf tournament to raise money for research to cure spinal cord injury. We would like to thank those who participate each year and wish them a Happy Thanksgiving. Click the link, sit back and enjoy watching all the golfers who had a great day while helping a worthy cause. Click To Play Tags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
November 18, 2007 - Read those Mortgage Ads carefullyIs there really a no cost mortgage, is a 1% fixed rate mortgage for real? This week we discuss the 3 most common mortgage advertisements currently being broadcasted on television and the internet. 1) The no closing cost loan...what is the catch? Are there really no costs? 2) The low fixed rate loan that sounds too good to be true. It's most likely an adjustable rate loan.3) The ever prevalent 1% adjustable rate loan which is always advertised by quoting the low payment you'll be making.W ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
The benefits of an FHA Loan - November 11, 2007The FHA loan program is a great loan program. It offers the consumer a better alternative to a subprime loan. FHA loans have a more flexible down payment policy which allows gift funds and only a 3% down payment. A borrower can have a non-occupant co-signer and FHA loans allow slightly blemished credit. FHA loans also offer the best adjustable rate mortgage available. And if that isn't enough, FHA loans have a streamline refinance program which saves you time and money. Listen to The Be ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
The Homebuying Process - November 4, 2007The homebuying process is a seemingly confusing process if you have never been through it. This week we discuss each of the steps and tell you what to be aware of. Pre-approval, putting in an offer, escrow, home inspection, appraisal, funding your loan...we cover all that and more.Listen to The Homebuying Process, broken down and simplifiedIf you have any specific topics or questions you'd like to have us discuss, please call the listener line at (714) 519-7833 and you might just end up o ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Califiornia Wildfires and your hazard insurance - October 28, 2007This week California experienced devastating fires, which should be an eye-opener to everyone who owns a home. Most importantly, does your homeowner's insurance adequately cover you against loss? Do affected disaster victims have any chance for mortgage relief? We also discuss disaster loans and what the Federal Government sometimes will provide to homeowners. And finally, if you were in foreclosure and involved in a disaster, what happens to your mortgage?Listen to Clifornia Wild Fires ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Caps, Indices and Margins, What does it all mean - October 21, 2007What are the key components of an Adjustable Rate Mortgage? We explain what caps are, what the most common indices are, and how to use the margin to calculate your interest rate. This can be a confusing topic, but we do our best to break it down and make it easy for you to understand.Listen to Caps, Indices and MarginsShow Notes: Link to IndicesTags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
Can you really payoff your loan in 5 years? - October 14, 2007A new loan program is being offered that promises to help you pay off your loan faster. Does it really work or is it a marketing gimmick? We give you our opinion and give you an alternative so you can payoff your loan in 2/3 of the time at no cost to you. Also, what are the downfalls to 100% financing. Lastly, just how high can an adjustable rate mortgage go. Can it reach the maximum interest rate after 1 year or does it take a few years to reach the caps.Listen to Can I really payoff ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
No Closing Cost loans, what's the catch? - October 7, 2007It seems like everyone is advertising no closing cost loans. What is the catch? Do I get a higher rate? Does it really save me money? Or does it sound too good to be true. We discuss this latest gimmick and weigh the benefits to help you get the best loan. Remember every person's loan is different so it is important to analyze your loan with a qualified loan officer.Listen to No Closing Costs, what's the catch?We'd love to hear your mortgage questions. Call the listener line at (714) 519-78 ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
My loan is about to adjust, should I refinance now or fix my credit? - September 30, 2007My loan is going to reset in 2 months. Is now the time to refinance with slightly bad credit? This week we answer a podcast listener's question. Her mortgage is about to adjust but her credit has a couple blemishes. She wondered whether she should use her extra money to get a lower interest rate or payoff some credit card debt to improve her credit score. She also wanted to know if she should spend some of that money on home improvements to increase her home's value. Home financing decision ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
The Fed lowers Rates? - September 23, 2007The Fed lowered interest rates. Does that mean your mortgage payment will drop? We discuss what it means when the Fed lowers rates and what effect it has on you and your mortgage. Also, we finally find a positive person with some Good News about foreclosures? It's not that bad. Let's get back to normal and quit being so scared.Listen to The Fed lowers Rates. What does that mean?Show Notes: LA Times - must register to view LA Times - Foreclosure NewsTags: podcast podcasting mortgages loan lo ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
How to choose your loan officer - Sept 16, 2007What traits should you look for in your loan officer? Experience, Integrity, should they be a mortgage broker loan officer or a bank loan officer, etc. We'll give you a brief rundown to help you secure the best loan from your loan officer.Listen to How to choose your loan officerShow Notes: Fannie Mae - Federal National Mortgage Association http://www.fanniemae.com/Freddie Mac - Federal Home Loan Mortgage Corporation http://www.freddiemac.com/FHA - Federal Housing Administrationhttp://www.h ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
Listener Questions Answered - September 9, 2007This week we take a break from our regular format and answer 3 podcast listener questions. 1. What is a 3 day right of recission? 2. Should I buy a home now? Are home prices going up or down? and 3. Are speculators the cause of this whole subprime mortgage problem?Listen to The Podcast audience wants to knowTags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
What is the Best home loan? - September 2, 2007What is the Best home loan for you? This week we discuss the items you need to think about and explain to your loan officer to ensure you get the best home loan for you. Is it an adjustable loan or a fixed rate loan? Is it a 30 year fixed, 20 year fixed or a 5/1 ARM? With the myriad of loan programs available it is important to know your goals.We also discuss President Bush's program to help homeowner's who might be having trouble making their house payment.Listen to What is the Best home l ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
How do I prove my income - August 26, 2007How do I prove my income? This week we discuss the documentation you will need to verify your income to a mortgage company. We particularly cover self-employed individuals and the challenges they run into.We also explain the current volatility in the stock market due to the subprime problems.Listen to How do I prove my income?Tags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
Can Anyone afford a home in California - August 19, 2007Can anyone afford a home in California? This week we discuss the credit crunch and its effect on California housing. Why are Jumbo loans so expensive now? What happened to stated income and 0% Down payment loans?Listen to Can Anyone afford a home in California?Show Notes: Jumbo loan - Any loan above $417,000Tags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
Subprime Loans - August 12, 2007This week we discuss Subprime Loans. What are they? Is it a good loan? We also discuss what is going with the subprime mortgage market today?Listen to What is a Subprime loan?Show Notes: FHA - Federal Housing AdministrationTags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
Reverse Mortgages - August 5, 2007This week we discuss Reverse Mortgages. What are they? Is it a good option for retirement?And what happens to your loan if your mortgage company goes out of business.Listen to What is a Reverse Mortgage?Show Notes: AARP - Tags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
First Time Homebuyer Programs - July 29, 2007This week we discuss First Time Homebuyer Programs. What type of down payment assistance is available, if any, and are there any special loan programs. You may be surprised by the answer.And we answer a listener's question regarding stated income loans.Listen to What is a Home Equity Loan?Show Notes: FHA = Federal Housing Administration, Fannie Mae = Federal National Mortgage AssociationTags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
What is a Home Equity Loan - July 22, 2007This week we explain What a Home Equity Loan is. Is it better to get a fixed rate or adjustable rate. Are they expensive, do they save me money, are they a good financial tool. Where is the best place to get one? We answer these questions and more.And we give you a quick comparison of PMI versus MIP.Listen to What is a Home Equity Loan?Show Notes: HELOC = Home Equity Line Of Credit, PMI - Private Mortgage InsuranceTags: podcast podcasting mortgages loan loans bank home finance money mort ... Listen | Listen in your iPhone | Download | View full cache | Visit Website
How difficult is it to sell my home - July 15, 2007This week we discuss How to sell your home. Is it better to use a real estate agent or do it yourself? We outline the pros and cons and provide you with the information you need to make the right decision for your situation.And we give a quick definition of reverse mortgages.Listen to How difficult is it to sell my home?Show Notes: FSBO = For sale by ownerTags: podcast podcasting mortgages loan loans bank home finance money mortgage Listen | Listen in your iPhone | Download | View full cache | Visit Website
What Information Do I need to provide for a new home loan - July 8, 2007On this edition we answer the question "What information do I need to provide to my loan officer? " We give you a brief checklist of the items you will need to gather for a quick and simple loan transaction. Will you need W2s, tax returns or what? We get to the bottom of this and more.And we answer a listener's question about Yield Spread premium.Click here to find out What information do I need to provide to my loan officer?Show Notes: Click here for a simple ChecklistTags: podcast podcast ... Listen | Listen in your iPhone | |
