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% [...]

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 [...]

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% [...]

I recently created a video explaining why it is vital to have a professional watching your mortgage for  you. You can view the video below.

In today’s environment there are many changes to the mortgage guidelines that even someone in the business has a hard time keeping up with. As a consumer, you need to be [...]

Ok-you now understand what to look for in a loan officer based on my previous post. Now let’s talk about rate shopping. But, let me be clear, shopping for a rate and not taking in consideration the person or entity that will orchestrate the rate to the finish line is crazy. I have seen to [...]

Is this a loaded question?
This can be answered many ways. Let me give you my thoughts.
First and foremost, make sure you end up working with someone competent. This will more than likely be the biggest investment in your life and is far too important to put in the hands of someone who is not capable [...]