Below is a comprehensive list of what we do and how we differentiate ourselves from other banks, broker’s and credit unions…Any questions, please contact us. Residential Financing for Purchases and Refinances on 1 to 4 unit properties: First Time Buyer Programs that include CalHFA (0 Down Program when Available https://101loan.com/blog/calhfa-financing-zero-down-financing/), Home One (3% down (no […]
The following is a list of seminars we teach to Consumers and Business Professionals that include Realtors, Financial Planners, Tax Planners and Estate Planners… If your interested in any of these, please let us know. Seminars for Consumers… The Path to Successful Home Ownership (Great for 1st Time Home Buyers) Creating Passive Income Through Investment […]
I have been practicing residential financing for over 30 years and commercial financing for over 20 years and have provided commercial financing on Multifamily (Apartments), Office, Retail, Medical (Dental and Doctor Offices) and Light Industrial properties (data storage units and auto dealerships). During that time, I have witnessed that residential interest rates were always lower […]
Housing inventory remains very low in the Bay Area. Even though interest rates remain high due to inflationary fears from the Fed’s, the higher cost of financing isn’t slowing the market down. In Santa Clara County, there are approximately 930 properties for sale (consisting of homes, town house and condos (as of July 2023)) with […]
It’s been an interesting last few weeks with Real Estate, the Stock Market and Interest Rates! First… With the debt ceiling deal in place (thank god), what’s in store for us a country? See what AP News wrote. Glad this got put into place as interest rates in just 2 weeks rose .5% and since […]
Are your Mortgage Payments too High? Are your Debt’s Eating Away at Your Savings? Has the Stock Market Hurt your Portfolio? Check out our New Reverse Hybrid Program…EQUITYAVAIL! We have a new product that focuses on homeowners in CA, that are 55 years of age and above. If the homeowner is having financial challenges in affording […]
Yes…You heard right! We now have a program that will allow a buyer with a mid fico score of 740 or higher to purchase a home up at $2.2m in price at just 10% down with no MI. In addition, we can underwrite these loans in-house at our office with a complete credit package to […]
Good Afternoon, Last week, Mark Jamison, Senior Wealth Director of BNY Mellon in Menlo Park invited me to his office to listen to ACG present on the economy and what they believe will occur over the next 12 months. (To view the actual presentation, click here.) In the panel, consisting of Senior Analyst from BNY, […]
I have a new loan product that helps developers sell more property in today’s high-rate market. It’s called 2 to 1 Jumbo Loan and no retail bank offers it. The concept of this program works like this… Current jumbo rates are approximately 6%. The buydown (which is priced a tad higher than current market), allows […]
