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Waiting Periods Have Changed To Qualify For A New Mortgage
The Federal Housing Administration is making it easier for once-struggling homeowners to qualify for a mortgage backed by the agency. For borrowers who meet certain requirements, the FHA is trimming to one year the amount of time that homebuyers must wait after a...
Is a 30 year fixed mortgage loan a waste of money?
Some people may say yes! Upward sloping yield curve. It’s important to understand that due to the time value of money and inflation, the longer you borrow the higher your interest rate. If you borrow money from me today to pay me back tomorrow, I won’t charge you...
Are Loan Officers (LO) legally liable for their company’s comp plan?
Section 129B(d) of TILA, as added by the Dodd-Frank Act, permits consumers to bring actions against individual mortgage loan originators for violations of certain provisions of TILA. For example, while LO's can be held personally liable for receiving compensation in...
Code of Ethics Violations Running Rampant
Ever since I decided to buy a home for myself, I have noticed more and more the increasingly unethical manner in which agents deal with their listings. Withholding offers, artificially inflating prices and then selling to their own buyers (so they can increase their...
Bargain Hunters Beware! The Shadows are Shrinking!
CoreLogic, a leading provider of consumer, financial and property information, analytics and services to business and government released a report showing that the Shadow Inventory dropped again late last year. Should we be afraid of the Shadows? Shadow Inventory is a...
Mortgage Debt Forgiveness Act: Expiring Soon!
These days, it seems like there are no homes for sale in Los Angeles. The end of the year though, has and continues to be a great time to buy because although most people are busy with the holidays - you can capitalize on a great deal! Another driving force is the...
Three EASY Ways to Save Money on your Homeowners Insurance
73% of homeowners are paying too much for their home insurance! Let me tell you about three easy things you can do today to cut down your cost: #1 – Give them more business and reap the rewards! – By combining your auto and home (or boat, motorcycle, RV, business,...
Cash Back Offers for your Home Loan
With real estate market again getting heated, the mortgage marketing campaigns in the financial institutions may also be heating up. Just about the most common in the offers tempting consumers will be the offer to get cashback for your mortgage business. This...
The Economic Impact of Buying a Home
Every home purchase is an economic driver, adding jobs and income opportunities to your community. Purchasing a home boosts the local economy and can help increase neighborhood value. It creates jobs for those who buy and sell as well as those who process the...
Local Independent Mortgage Broker
Some companies love to quote low prices as a sign they are the best in the business. But when you take a closer look - you find added fees, long delays and other problems can cause you a lot of stress. The same applies to your mortgage, you can take a...
Home Refinance
Hello and thank you for choosing CRESTICO to help put you in a better financial position with a home refinance. We will be with you every step of the way to help ensure an easy approval process, so don’t hesitate to call anytime you need us. Right now,...
Live Breaking News
Mortgage Rates At Near Historic Lows. Don't miss this opportunity. For more information please visit www.crestico.com or call (818) 784-2929