805 Local

I hear it on television and the radio, and people are calling me with the same question, “Are you guys still lending money?”  Really?  That’s the question?  Yes, and I’ve even seen it on the news where the “talking heads” are saying that banks aren’t lending money on real estate right now.  It’s happened too many [...]

With all of the tightening credit guidelines, it would be nice if your credit score mattered a little less these days, but nowadays it matters more than ever!  It used to be that people with generally good credit got about the same interest rate as people with really good credit and people with generally not-so-good [...]

Yes, and here’s why.  When the market is as volatile as it has been recently, several things hold true: 1) Rates Rise like a Rocket and Fall like a Feather  2) Lenders are very quick to reprice  3) Rates MOVE FAST when they get started.  Here’s how to protect yourself.
Use a lender that will let [...]