New President, New Financial Outlook

A new administration is about to take office, one whose policies are largely yet to be known. Many are wondering what will happen to the real estate community, the mortgage industry, and in particular interest rates.  In an attempt to provide our clients with an answer, we begin by acknowledging that yes, rates appear to be on a..



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TRID – What Is It?

TRID: The New Reg on the Block By the time you read this, TILA/RESPA Integrated Disclosures, or TRID, will be in effect and it will change both the mortgage disclosures you will receive and the timeline by which you can close. Here are the key differences you will notice on your next purchase or refinance:..



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TRID is coming August 1st

Attention all buyers and sellers!  The new TRID, TILA-RESPA Integrated Disclosure rule goes into effect on August 1, 2015.  It is very important to understand what this rule is and what kind of impact it will have on escrows and closing on time!   On August 1st, 2015 the Loan Estimate replaces the GFE and early..



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The Time Value of Money vs. Real Estate Today and Interest Rates Tomorrow

The other day a client of mine from my business school called me up, and we reminisced about the days we spent together grueling over our finance classes.  He said to me that what we studied was so theoretical, and he rarely ever uses some of the finance theories we grappled with during our three years..



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Loan Pre-Approval Process – How to be Prepared

My cousin in Naples, Italy recently asked me how the housing market was in the Bay Area.  I didn’t know where to begin and whether I wanted to reveal to her such a foreign anxious world that I lived in.  I decided to avoid the question entirely and just take in the peaceful stories of..



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Cash Out Refi: Should I Do It?

The housing market is booming, and when this happens you can often find yourself with a lot of equity in your home. Rates have moved so low in the last 6 months, and values have experienced a significant increase, so homeowners are truly thinking about diversifying their real estate investments.  Over the last few months,..



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Fuel Prices and Interest Rates

During the last 30 days there has been much news about energy prices and how low gas has been going.  It is very evident that our economic growth is not as aggressive as we thought or hoped.  Even though the Fed has ended the quantitative easing program, worried investors are continuing to put their money..



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FirstREX HomeBuyer Program

Monica, at RPM Mortgage, has been talking to me about the FirstREX HomeBuyer program.  It is an interesting program that assists buyers with down payments. It is not a loan but rather an investment in your property from the program.  The program are looking at the long term growth of your property, so that when you sell..



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Delayed Purchase Financing

If you are considering making an all cash purchase of property in San Francisco, you might want to consider Delayed Purchase Financing. This style of financing is a great tool for wealth building.  This approach allows you to purchase with all cash, then shortly after close of escrow, pull your money out so you can..



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Home Buyer Workshop – March 1st

Join me and my colleague, mortgage broker Monica Di Perna, for an informational workshop on purchasing a home in San Francisco.  This market can be intimidating, especially with all the sensationalistic news stories about out of control pricing, all-cash buyers, competitive bidding, and so on.  There are always opportunities if you have the right realtor..



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