So you are in the market for a mortgage in Ventura County. Maybe you are purchasing a first time home, second home, investment property or just looking to refinance your newly adjustable rate mortgage into a fixed rate with these historically low rates (well, almost historically low rates).
What do you do?
Well the best approach is [...]

If only I had a dollar for..you know how the saying goes.
Rates that used to be 4.5% are now at around 5.5%. And it only took about 15 days to move. What does that mean to a homeowner in Ventura County? It means what used to be a payment on a $400,00 loan at 4.5% [...]

Loan Search-Put yourself in the hands of an experienced mortgage professional, someone who will help you to determine which financing options best suit your needs today and in the future. Look for an experienced loan officer in a market such as today’s environment with all the changes taking place.
Loan Application-It is crucial to supply your mortgage [...]

This question can sometimes be answered by looking into your bank account. You may be limited to the amount of money you have available for the purchase of a home.
The other factor is how much of a home loan can you afford. You may want to put down as little as possible, but the loan [...]

Today, the use of a professional mortgage broker is one of the key strategies used by sophisticated borrowers.
Understand, I have worked for direct lenders (big banks) and as a mortgage broker. You can find professional loan officers in both environments.
But the topic of this article is why use a mortgage broker, therefore let me continue.
A [...]

Thinking of buying a home. Is this your first home or has it been awhile since you purchased a home? Either way you can get a jump start on the process by doing a few things in advance.
To start with, the lender will need personal information to verify employment for you and your co-borrower (if there [...]

I am asked many times what is the difference between pre-qualification and pre-approval and why do I need to have one or the other?
Let’s start with what is the difference.
Pre-qualification is the starting point in your search for mortgage financing. A quick snapshot is taken which includes income, existing debt, savings, length of employment, etc. [...]

This is a question that is asked many times. Everyone has heard of points but do you know what they are and if you should be paying for them?
Basically, points are up front fees (which I call investment) paid by the borrower to obtain a better interest rate on their loan. One point is equal to 1% [...]