On Wednesday January 25th HUD released an announcement detailing how it would monitor lenders default rates and the consequences for not meeting their guidelines.  Later in the press release there...

Every year the weekend after Thanksgiving, Theater Square in downtown Petaluma, CA fills with hundreds of people. They come to watch the beautifully decorated tree light up the night sky....

Any residential property that changes ownership more than one time in a 12 month span is considered a flip.  Previously HUD did not allow FHA loans on properties that had...

When it comes to loan comparisons the topic of points, origination fees, discount points, and no points is always a hot topic.  This is mainly due to a misunderstanding of...

*** Please note we are licensed in the State of California ONLY.  Call your local mortgage provider in other states for assistance with this program. *** In 2010 the minimum...

On October 1st, 2011 USDA is making a few changes to its home loan program. Currently USDA allows a 100% home loan in designated areas, with a 3.5% upfront funding...

The last few years most loan programs have increased their fees. FHA has increased its monthly mortgage insurance from .5% to 1.15% and USDA as of October 1st, 2011 is...

In November of 2011 the Obama administration announced a revamped Home Affordable Refinance Program or HARP for short.  The initial HARP program was released in 2009 but limited an upside-down...

The Petaluma lighted boat paradehappens once a year, usually the first weekend in December.  It takes place in the turning basin on the Petaluma River near the D street draw bridge.  About 30-40 boats...

The 6th Street Playhouse is located near historic Railroad Square in Santa Rosa, CA. It features two stages; the GK Hardt Theater which holds 184 and hosts 7 shows each...