PROFESSIONAL MORTGAGE PLANNING
Responsible Mortgage Lending Happens by Design
In today's real estate market, there is no room for the "old school" ways or cavalier methods. Mortgage banking requires expert processes and constant monitoring in order to provide a successful home purchase or refinance for our client.
Through a personal consultation, we focus on the development and understanding of your mortgage loan. Certainly our goal is to make the loan process as simple and worry-free as possible. That is expected. But, a professional mortgage plan includes an analysis of all aspects of your mortgage needs. For some they are simple, for others they can be more complex. Either way, you owe it to yourself and your family to capitalize on the expertise of a planner who will assist you in creating a mortgage strategy that insures you are positioned in the best possible way to achieve your future financial goals.
Whether it is a home purchase, a refinance, a home equity loan or a second mortgage, our driving ambition is to help you find the right plan for your unique needs.
(Click the caption link to access individual zip code graphs)
The question continues to come up ... "when will we see the bottom of the market?" Though it is impossible to predict, we can track the data and keep a watchful eye on market conditions. We know that housing is in decline however not all areas are equal, nor will their price recovery be equal. For this reason we are tracking the data from 8 zip codes that represent Pasadena, Arcadia, Duarte, Covina, Glendora, La Verne, Upland & Rancho Cucamonga. Check the graphs regularly for updates.
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 Top News
Mid-Day Recap: Labor Reports Send Markets into Freefall - 1 day ago
The pace of losses in the labor market had been moderating for four months but in June nearly half a million jobs vanished from the economy, in contract to widespread expectations. The Bureau of Labor Statistics said 467,000 jobs were lost, pushing the unemployment rate to 9.5%, the highest in 26 years.?The heavy loss of jobs in June is a warning that the road to recovery will be bumpy, but doesn't yet indicate that we have gone off the track? . . . ...(read more)
The Day Ahead: Markets Hesitant Ahead of Employment Data - 1 day ago
Markets are edging lower ahead of the 8:30 release of Nonfarm Payrolls. A lot is hanging on this report as many forecasts for the economy are dependent on the direction of the labor market. Many look for signs of stabilization after last month?s downside surprise, but signs of a recovery have been far from evident in the weekly Jobless Claims numbers or the ADP private employment report. The consensus looks for 325,000 jobs to have vanished this month, with forecasts ranging between 225,000 and 435,00...(read more)
HARP Guidelines Allow for 125% LTV. Originators Still Skeptical - 2 days ago
The Home Affordable Refinance Program was designed to assist borrowers who have demonstrated an acceptable payment history on their existing Fannie Mae or Freddie Mac owned mortgage loan. Unfortunately due to rising unemployment levels and increasing foreclosure rates, demand for housing has weakened and property values have continued to decline, which has blocked many borrowers from utilizing HARP....(read more) |
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