Mortgage Lenders

Why Don’t I Have the Best Rate?

Why Don't I Have the Best Rate?

Why don’t I have the best rate? An amazing blog below from our team preferred lender, Dan Tharp. Enjoy, a very good read. — JaCi Wallace

Without fail, the number one question I get from first-time callers looking to refinance or purchase a new home is “what’s your rate?” I used to stumble a bit when asked this question because there is so much involved in getting an accurate interest rate and one that I can’t answer in a 30-second conversation. I wish it were that easy. read more

Why Don’t I Have the Best Rate?

A New Tax On Mortgage Refinance

A New Tax On Mortgage Refinance

A new tax on mortgage refinance is a brilliant blog written by our fabulous lender, Dan Tharp, with Guild Mortgage. –Enjoy, JaCi Wallace. Dan has some good news and some bad news. Here’s the bad news first.

Last week, the Federal Housing Finance Agency (FHFA) announced a surprise fee on all new refinance transactions sold to Fannie Mae and Freddie Mac. This is making up approximately two-thirds of all loans. The cost was assessed regardless of the bank or mortgage company you choose to work with . End result, it will increase the interest rate that you had been expecting and had been available.   read more

A New Tax On Mortgage Refinance

The True Cost of Waiting to Buy A Home in Sacramento

The True Cost of Waiting to Buy A Home in Sacramento

The true cost of waiting to buy a home in Sacramento, as written by our fantastic lender, Dan Tharp, with Guild Mortgage., Enjoy. — JaCi Wallace.

I know shopping for a home today is hard work and very frustrating at times. Inventory is low, and demand is high – It may take many offers, and a few tension-filled bidding sessions, before you land that home. Buyers can quickly get discouraged and say, “I am tired of this. I am just going sign a new rental lease instead and try this again in 6 months to a year”.  read more

The True Cost of Waiting to Buy A Home in Sacramento

One Of The Leading Causes Of Divorce Can Be Financial

One Of The Leading Causes Of Divorce Can Be Financial

One of the leading causes of divorce can be financial — is an interesting blog topic from our preferred mortgage lender, Dan Tharp at Guild Mortgage. — JaCi Wallace

One of the leading causes of divorce can be financial. When a couples’ financial situation fails to measure up to expectations, and money stress gets so bad, they shut down. The communication between them often stops completely.

I have helped many couples obtain a mortgage to buy a home. They were laughing and smiling about the garden they were going to plant, or the BBQ they were going to invite me to. Only then to see one partner lose a job, then bills pile up. Next is the anger and the uncertainty starts to build. The next thing they know they are sitting down to talk about separating. It’s just plain awful. read more

One Of The Leading Causes Of Divorce Can Be Financial

Metrolist Sacramento MLS Pending Sales March-May 2020

Metrolist Sacramento MLS Pending Sales March-May 2020

Metrolist Sacramento MLS pending sales March-May 2020 is a clear snapshot of the current surge in pending sales. Clearly, May 2020 forward shows increased buyer confidence. We would customarily see an uptick this time of year; however, Covid19 has some buyers nervous about home buying. Many buyers we talk to are surprised when they see the reports like this graph. If they are out shopping, they know as buyers are only allowed two at a time, so buyers are waiting outside in a line on some listings. The above market snapshot is a good example of simplicity and EZ to follow. The inventory is increasing slowly, but not by much. read more

Metrolist Sacramento MLS Pending Sales March-May 2020
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