mortgage Archive

FHA’s ‘Back To Work’ Program

By Derek Sandoval Through FHA’s “Back To Work – Extenuating Circumstances Program,” borrowers who have gone through bankruptcy, foreclosure, deed-in-lieu, or short sale, may be eligible for an FHA-backed mortgage sooner if they can prove their financial hardship was...
September 11, 2013

New FHA Mortgage Premiums: Game Changers or Just a Change?

By Jennifer Klein and Derek Sandoval FHA mortgage insurance premiums rose on April 1, 2013. Placer County Association of REALTORS® YPN members Jennifer Klein and Derek Sandoval discuss exactly what has changed as well as what these changes mean...

Help Your Clients With Their Credit Scores: It Could Save Them $253/Month

By Marc Guzman We all know how important your credit score is when it comes to borrowing money for credit cards, auto loans and home loans.  But how many of us really take the time to educate our clients...
March 12, 2012

Time to Brush Up on the Fees and GFEs

By Nobu Hata With the down market and the inevitable mass exodus of “those” loan officers, you’d think we could rest easy knowing that the loan officers left would be – for lack of a better word – decent....