Should you Refinance? – When Saving Money a Bad Thing!

Is it possible that saving hundreds of dollars a month is a bad thing? Mortgage rates continue to remain at a historic low. However, Freddie Mac, one of the major buyers of mortgages, has stated that rates can’t get much lower. With a government imposed half percent rise … [Read more...]

The Reason Why Your Home Is Not Selling

Here is a link to an article I wrote on why your home may not be selling: … [Read more...]

Loan Pre-Approval vs Pre-Qualification

Pre-Approval vs Pre-Qualification Imagine if you will that you have been shopping for a home.  This may not be too much of a stretch for some readers.  But, you finally found the right home, wrote an offer that was accepted by the seller, have entered escrow, … [Read more...]

The Painful Truth: Why Your Offer Wasn’t Accepted

I have a story to tell that might be painful to some readers.  The pain may be to some home buyers that over paid junk fees, a buyer that didn’t get their dream home, or to one of the many agents that would prefer that I didn’t disclose industry secrets.  But the … [Read more...]

How to search for a home: What every buyer needs to know

How to search for a home: What every buyer needs to know We are so blessed to be living in a time with internet access were information is freely shared.  20 years ago, you had to rely on a real estate agent to look through their Multiple Listings book to come up … [Read more...]

How to Pick a Real Estate Agent

Most people only own one home and it is by far the biggest purchase they will ever make.  Buying a home is a lot like hiking.  There are ups and downs, it’s tiring, there are things to avoid, and in the end, you are glad you did it but thankful it is over.  … [Read more...]

The home buying process: What every home buyer needs to know

The home buying process: What every home buyer needs to know I have been representing home buyers and sellers as both a lender and/or a Realtor for about 15 years in the Stockton / Sacramento area. Whether you are a seasoned buyer closing your 10th home or a first time … [Read more...]

Buying a Home After Short Sale or Foreclosure

I have learned a lot in my 10 years as a loan officer and Realtor. I would say that the most important thing to know about real estate is that nothing stays the same; the rules are in a constant state of change. When the housing market crashed, lenders tightened the rules to … [Read more...]

The Expert

Several years ago I lost some clients to another agent. I will admit it was a painful experience and a real kick to my ego. But, unwilling to let it happen again and in an attempt to grow from the experience, I asked the buyers what it was their new agent had to offer that I … [Read more...]