Advice Archive

We’ve all heard those annoying TV and radio ads promising free, no cost loans. I get calls periodically asking about them and after asking some basic questions I find most...

Free and no cost loans!!!!!!!!!!!!

If you’re looking to move anywhere in Sonoma county and have questions, the economic development board has a great resource for you: www.sonomacountyconnections.org This site covers many topics from school...

Moving to Sonoma County?

“It won’t go FHA.” Those 4 words drive me crazy and I hear it all the time. Whether it comes from clients or real estate agents, it’s a common misconception...

It won’t go FHA!

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...

Origination Fees vs Points

A flip is a home that has changed ownership more than 1 time in a 12 month span. In most cases an investor purchases a bank owned home, rehabs it, and then sells it...

The Danger of Multiple Flips

The current lending environment is very temperamental; if you don’t follow the rules don’t expect a positive result. Go into the process knowing that we’re going to ask for a lot...

Some great tips if you are financing your new home

We hear this phrase all the time, “I don’t want to pay any points!” So what are points, why is there so much confusion surrounding them, and why would you...

The story behind points

With so much focus on single family residences many forget how profitable multi-unit properties can be. Purchasing a multi-unit property has many advantages: -you can live in the property and rent out the...

Multi-unit properties: the forgotten gold mine

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