Financing in Santa Barbara : Blogs

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Amortgageadv…, Real Estate Pro in Los Angeles, CA
It can feel impossible to find a home loan with bad credit in the Santa Barbara area. There are bad credit home loans available in the current real estate market. We have a variety of real estate loans… Read more
Blogged Thu Jul 10, 2014 by Amortgageadvisor.com Home Buying Financing Credit Score
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JoAnn Pomatt…, Real Estate Pro in Goleta, CA
Unsure about the processes in getting a home mortgage loan?  This article is a great informative piece.......http://www.bankrate.com/finance/real-estate/1-year-plan-new-homebuyers.aspx Read more
Blogged Wed May 21, 2014 by JoAnn Pomatto-Gomez Home Buying Financing Credit Score
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JoAnn Pomatt…, Real Estate Pro in Goleta, CA
Looking to purchase your first home?  Here are signs you're ready to buy.....http://www.bankrate.com/finance/real-estate/buying-your-first-home-signs-youre-ready-7.aspx Read more
Blogged Wed May 21, 2014 by JoAnn Pomatto-Gomez Home Buying Financing Rent vs Buy
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Austin Lamps…, Real Estate Pro in Santa Barbara County,...
Especially in today’s electronic age, there is a lot of information floating around about mortgages. Whether it is something you heard from a friend, or read about while ago, chances are there may be… Read more
Blogged Mon Apr 7, 2014 by Austin Lampson, NMLS# 517060 Market Conditions Home Buying Financing
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Austin Lamps…, Real Estate Pro in Santa Barbara County,...
    Even before the recent collapse and rebuilding of our financial system, there has been much talk about the need for lending giants, Fannie Mae and Freddie Mac to exit the scene. These government-sponsored… Read more
Blogged Fri Mar 28, 2014 by Austin Lampson, NMLS# 517060 Home Buying Financing Home Ownership
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Austin Lamps…, Real Estate Pro in Santa Barbara County,...
Many residents of the Gold Coast experienced hardships during the recent economic downturn that put them behind on their housing payments. Some of us had to declare bankruptcy, take a short-sale or unfortunately… Read more
Blogged Fri Feb 7, 2014 by Austin Lampson, NMLS# 517060 Home Buying Financing Foreclosure
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JoAnn Pomatt…, Real Estate Pro in Goleta, CA
It's always a good idea to remember to check our credit reports annually.  The three credit reporting agencies offering a free credit report are listed within the link below.  Great tips on how to… Read more
Blogged Tue Jan 21, 2014 by JoAnn Pomatto-Gomez Home Buying Financing Credit Score
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JoAnn Pomatt…, Real Estate Pro in Goleta, CA
This article describes the new lending guidelines that have taken affect this new year.  Describing what new purchasers and homeowners looking to refinance will be facing when looking at mortgage loan… Read more
Blogged Tue Jan 21, 2014 by JoAnn Pomatto-Gomez Market Conditions Home Buying Financing
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JoAnn Pomatt…, Real Estate Pro in Goleta, CA
When will it be a good time to purchase a home.  Interest rates are projected/expected to increase over this next year.  Is now the right time?  Judge for yourself after reading this article:… Read more
Blogged Thu May 30, 2013 by JoAnn Pomatto-Gomez Home Buying Home Selling Financing
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JoAnn Pomatt…, Real Estate Pro in Goleta, CA
Great link to today's home loan interest rates.  Whether you're considering purchasing or re-financing your home:http://www.bankrate.com/partners/sem/IP-mortgage-rates-v2.aspx?ec_id=m1016078&ef… Read more
Blogged Thu May 30, 2013 by JoAnn Pomatto-Gomez Home Buying Financing Investment Properties
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JoAnn Pomatt…, Real Estate Pro in Goleta, CA
It is very important to meet with a lender and become Pre-Approved for a loan before shopping for your new home. It nails down your purchase price amount and aids in making offers attractive to seller's:… Read more
Blogged Wed Mar 13, 2013 by JoAnn Pomatto-Gomez Market Conditions Home Buying Financing
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JoAnn Pomatt…, Real Estate Pro in Goleta, CA
Check out today's mortage rates and compare, click on the link below:http://www.mortgagenewsdaily.com/mortgage_rates/ Read more
Blogged Mon Mar 11, 2013 by JoAnn Pomatto-Gomez Market Conditions Home Buying Financing
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Sergio Gonza…, Real Estate Pro in Westlake Village, CA
Over the last few years, self-employed borrowers have really felt the crunch on tighter lending guidelines as you know. However, in today's lending environment we are now able to once again use alternative… Read more
Blogged Mon Jun 27, 2011 by Sergio Gonzalez Home Buying Financing Credit Score
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Ken Doss, Real Estate Pro in Santa Barbara, CA
I’ve been doing Santa Barbara home loans for many years and this happens almost on a weekly basis. Here’s the story:  The Buyers have been looking for many weeks..maybe even months AND… Read more
Blogged Sat Apr 30, 2011 by Ken Doss Home Buying Financing
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Ken Doss, Real Estate Pro in Santa Barbara, CA
 NOT!– This is simply not true! I hear this from consumers every week and there is some serious misinformation out there. In Santa Barbara, most people live in our area due to the “lifestyle”… Read more
Blogged Sat Mar 26, 2011 by Ken Doss Home Buying Financing
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Ken Doss, Real Estate Pro in Santa Barbara, CA
We caught a loan officer trying to trick a consumer into a loan! Protect yourself and see how it’s done. This last week, I was helping a past client here in Santa Barbara to determine if a quote… Read more
Blogged Wed Jul 7, 2010 by Ken Doss Financing
Ken Doss, Real Estate Pro in Santa Barbara, CA
We just had a transaction where Fannie Mae declined a file because of a “disputed” item on a credit report!   The Fannie Mae computer model (aka:  DU) is now calling-out items on the… Read more
Blogged Sat Jul 31, 2010 by Ken Doss Financing
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Ken Doss, Real Estate Pro in Santa Barbara, CA
Basically, you are re-underwriting a file by doing something like this. As we all know, a Buyer’s credit report is a major element of any loan package. If Fannie/Freddie are going to require underwriters… Read more
Blogged Tue Jun 15, 2010 by Ken Doss Financing
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Ken Doss, Real Estate Pro in Santa Barbara, CA
I had a Borrower from Santa Barbara ask…. "What about a biweekly payment option?"   I’m sure there are some appropriate biweekly mortgages. I personally haven’t seen one in a longtime.… Read more
Blogged Thu Jun 10, 2010 by Ken Doss Financing
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Ken Doss, Real Estate Pro in Santa Barbara, CA
A client in Santa Barbara asked me the other day, "What's a correspondent lender and why is it important?" There are significant differences between the various types of lenders. Here was my answer: A… Read more
Blogged Fri Jun 4, 2010 by Ken Doss Financing
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