Archives

2024.07.03: Attack Results
2024.07.01: First Draft Excerpt from Bubbles Of Creation
2024.06.24: Excerpt from Moving The Pieces
2024.06.17: Excerpt from Setting The Board
2024.06.11: Excerpt from Building The People
2024.06.03: Excerpt from Preparing The Ground
2024.05.27: The Connected Worlds and Bubbles of Creation
2024.05.20: My Author's Brand
2024.05.13: Excerpt from Working The Trenches
2024.05.06: Excerpt from Empire And Earth
2024.04.30: Excerpt From A Guardian From Earth
2024.04.22: Excerpt from The Man From Empire
2024.04.15: First Draft opening for Bubbles Of Creation
2024.04.08: Excerpt from Gifts Of The Mother
2024.04.01: Excerpt from The Gates To Faerie
2024.03.25: Politics Of Empire Series Overview
2024.03.19: Excerpt from The Monad Trap
2024.03.12: Excerpt from Fountains of Aescalon
2024.03.06: Invention Of Motherhood on sale
2024.03.04: Measure Of Adulthood (Politics of Empire book 4), Cover reveal and blurb
2024.02.26: Excerpt from The End Of Childhood
2024.02.19: Excerpt from The Price of Power
2024.02.15: Measure of Adulthood Update
2024.02.12: Excerpt from The Invention Of Motherhood
2024.02.05: Measure Of Adulthood First Draft Excerpt
2024.02.03: Measure Of Adulthood
2024.01.29: Excerpt from Moving Thei Pieces
2024.01.22: Excerpt from Setting The Board
2024.01.15: Excerpt from Building The People
2024.01.09: Excerpt from Preparing The Ground
2024.01.01: First Draft Excerpt from Measure of Adulthood
2023.12.25: First Draft Excerpt from Measure of Adulthood
2023.12.21: Cooking Bacon
2023.12.18: Excerpt from Working The Trenches
2023.12.12: Excerpt from 'Empire And Earth'
2023.12.04: Excerpt from A Guardian From Earth
2023.11.27: Excerpt from The Man From Empire
2023.11.20: First Draft Excerpt from A New Embassy (Number Four)
2023.11.13: Excerpt from What Consumers Need To Know About Buying Real Estate
2023.11.08: Excerpt from What Consumers Need to Know About Mortgages
2023.11.06: This Month's Author Swaps (November 2023)
2023.10.31: Last Day of 99 Cent Sale!
2023.10.30: First Draft Excerpt from A New Embassy (Number Three)
2023.10.23: Excerpt from Gifts Of The Mother
2023.10.16: Excerpt from The Gates To Faerie
2023.10.09: Excerpt from The Monad Trap
2023.10.02: Excerpt from The Fountains of Aescalon
2023.09.25: First Draft Excerpt from Measure of Adulthood
2023.09.18: Excerpt from The End Of Childhood
2023.09.11: Excerpt from The Price Of Power
2023.09.05: Excerpt from The Invention Of Motherhood
2023.08.28: First Draft Excerpt from Measure of Adulthood
2023.08.22: Preparations For War Series Overview
2023.08.14: First Draft Excerpt from Measure of Adulthood
2023.08.07: Excerpt from Moving The Pieces
2023.07.31: Excerpt from Setting The Board
2023.07.25: Excerpt from Building The People
2023.07.17: Excerpt from Preparing The Ground
2023.07.10: First Draft Excerpt from Measure of Adulthood
2023.07.03: Excerpt from Working The Trenches
2023.06.26: Excerpt from Empire and Earth
2023.06.19: First Draft Excerpt: A New Embassy (continued)
2023.06.12: Rediscovery: An Overview
2023.06.05: First Draft Excerpt: A New Embassy
2023.05.30: Excerpt from A Guardian From Earth
2023.05.22: Excerpt from The Man From Empire
2023.05.16: First Draft Excerpt from Measure of Adulthood
2023.05.10: Excerpt from Gifts Of The Mother
2023.05.02: Excerpt from The Gates To Faerie
2023.04.24: First Draft Excerpt from Measure of Adulthood (Politics of Empire 4)
2023.04.18: Excerpt from The Monad Trap
2023.04.10: Excerpt from 'The Fountains Of Aescalon
2023.04.03: First Draft Excerpt from Politics of Empire book 4.
2023.03.27: Excerpt from The End Of Childhood (Politics of Empire Book 3)
2023.03.21: Excerpt from The Price Of Power (Politics of Empire Book Two)
2023.03.14: New Sales Channel: Gumroad
2023.03.13: Excerpt From 'The Invention Of Motherhood'
2023.02.27: First Draft Excerpt from Politics of Empire book 4
2023.02.21: Excerpt from Moving The Pieces (Book 4 of Preparations For War)
2023.02.13: Excerpt from Setting The Board (Preparations for War Book 3)
2023.02.07: Excerpt from Politics of Empire Four
2023.01.31: Excerpt from Building The People (Book 2 of Preparations for War)
2023.01.23: Gifts Of The Mother Release Day!
2023.01.16: The Gates To Faerie on sale this week - 99 cents!
2023.01.09: Gifts Of The Mother Cover
2023.01.02: Exerpt from Preparing The Ground (Preparations For War 1)
2022.12.20: First Draft Excerpt from Measure Of Adulthood
2022.12.12: Wherein the Author Pleads Illness. Excerpt from Working The Trenches
2022.12.05: First Draft Excerpt from Measure Of Adulthood
2022.11.28: Author News
2022.11.21: Gifts Of The Mother (Gates to Faerie 2): Over The Hump
2022.11.14: First Draft Excerpt from Gifts Of The Mother
2022.11.07: Excerpt from Empire and Earth
2022.10.31: Excerpt from 'A Guardian From Earth', Book Two of Rediscovery
2022.10.24: Excerpt from The Man From Empire
2022.10.17: First Draft Excerpt from Gifts Of The Mother
2022.10.10: State of the Author
2022.10.03: Setting: The Gates To Faerie
2022.09.26: Excerpt from The Monad Trap
2022.09.19: Excerpt from The Fountains Of Aescalon
2022.09.12: My Author's Brand
2022.09.05: Excerpt from The End Of Childhood
2022.08.29: Excerpt from The Price of Power
2022.08.22: Politics of Empire and Excerpt from The Invention Of Motherhood
2022.08.15: First Draft Excerpt from Gifts Of The Mother
2022.08.08: Excerpt from Moving The Pieces
2022.08.01: Excerpt From Setting The Board
2022.07.25: Excerpt from Building The People
2022.07.21: Win a Fabulous Prize!
2022.07.18: Preparations for War Series: The Background
2022.07.04: First Draft Excerpt from Gifts of The Mother
2022.06.27: Excerpt from Preparing The Ground
2022.06.20: First Draft Excerpt from 'Gifts Of The Mother'
2022.06.13: Excerpt from Working The Trenches
2022.06.07: First Draft Excerpt from 'Gifts Of The Mother'
2022.05.30: Excerpt from Empire and Earth
2022.05.23: First draft excerpt from Gifts of the Mother
2022.05.17: Excerpt from A Guardian From Earth
2022.05.09: Excerpt from 'The Man From Empire'
2022.05.02: Excerpt from The Monad Trap
2022.04.25: Empire of Humanity: "in-rank" versus "in-fact" and Civil government
2022.04.18: Excerpt from Work In Progress - Gifts Of The Mother
2022.04.15: Book Funnel Promos I'm In This Month
2022.04.11: New Release: Moving The Pieces
2022.04.05: Excerpt from Moving The Pieces
2022.04.04: Setting The Board Reduced Price!
2022.03.28: 99 Cent Sale - Building The People
2022.03.24: Excerpt from The Fountains of Aescalon
2022.03.21: 99 Cent Sale - Preparing The Ground
2022.03.15: Excerpt from The End of Childhood
2022.03.14: The End Of Childhood Releases Today!
2022.03.08: Imperial Numbers and Measurement - Mass and Energy
2022.03.07: The Price Of Power Reduced Price Sale
2022.02.28: Invention of Motherhood Reduced Price Sale
2022.02.21: Free 4000-8000 Word Samples Of All My Books (so far)
2022.02.19: Privacy Policy
2022.02.17: Release Dates for The End Of Childhood and Moving The Pieces
2022.02.14: Why I'm Not Interested in Audiobooks
2022.02.07: Excerpt from The End of Childhood
2022.01.31: First Draft Excerpt from Gifts of the Mother
2022.01.24: An Excerpt from The Man From Empire on Magic versus Technology
2022.01.04: Excerpt from Preparing the Ground
2021.12.30: Imperial numbers and measurement: Distance/length
2021.12.27: Excerpt from The Man From Empire
2021.12.24: Imperial numbers and Measurement - Circular Measurement
2021.12.21: Units and Measurement in the Empire of Humanity - Time
2021.12.13: First Draft Excerpt from Gifts of the Mother
2021.12.06: Excerpt from The End Of Childhood
2021.11.29: Excerpt from Moving The Pieces
2021.11.25: What Comes Next
2021.11.23: First Draft Excerpt from Gifts of The Mother
2021.11.15: Blurb and Excerpt from Building The People
2021.11.08: Faster Than Light Drives and Communication in the Empire of Humanity
2021.11.07: The End of Childhood and Moving The Pieces
2021.11.02: First Draft Excerpt from Gifts Of The Mother
2021.10.25: Blurb and Excerpt: The End Of Childhood
2021.10.18: Blurb and Excerpt from Moving The Pieces
2021.10.12: First Draft Excerpt from Gifts of The Mother
2021.10.04: Blurb for Moving The Pieces
2021.09.28: Moving The Pieces Cover Reveal
2021.09.14: Blurb and Excerpt from Preparing The Ground
2021.09.07: Writing Project Status
2021.08.30: Moving The Pieces: Climactic Scene Finished.
2021.08.23: First Draft Excerpt from Moving The Pieces
2021.08.16: Blurb and First Draft Excerpt from End of Childhood
2021.08.09: Status Report - Current and Future Writing
2021.08.02: Blurb and Excerpt from Working The Trenches
2021.07.26: First Draft Excerpt from Moving The Pieces
2021.07.19: Blurb and Excerpt from "A Guardian From Earth"
2021.07.12: First Draft Excerpt from 'Moving The Pieces'
2021.07.05: First Draft Excerpt from The End of Childhood
2021.06.28: Blurb and Excerpt from The Man From Empire
2021.06.21: Excerpt From First Draft of Moving The Pieces
2021.06.15: Excerpt from The End Of Childhood
2021.06.07: The Elves in Gates to Faerie
2021.05.31: Character Interview: Joseph Bernard in Moving The Pieces
2021.05.24: First Draft Excerpt from Moving The Pieces
2021.05.18: Blurb and Excerpt from The Gates to Faerie
2021.05.12: FIrst Draft Excerpt From The End of Childhood
2021.05.02: My Published Works and the Series Order (and Upcoming Work)
2021.04.26: Excerpt from Moving the Pieces
2021.04.19: Proposed Cover For The End of Childhood
2021.04.13: Excerpt from Moving The Pieces, Current Work-in-Progress
2021.04.05: First Draft Excerpt from The End of Childhood
2021.04.01: First draft of teaser for The End of Childhood
2021.03.29: Blurb and Excerpt from The Monad Trap
2021.03.23: Blurb and Excerpt from The Fountains of Aescalon
2021.03.15: Excerpt from Moving The Pieces, first draft
2021.03.08: The Locale of Aescalon, the Connected Realms and Major Characters
2021.03.01: Excerpt from Moving The Pieces
2021.02.23: End of Childhood and Moving The Pieces
2021.02.16: Blurb and Excerpt from The Price of Power
2021.02.08: Blurb and Excerpt from The Invention of Motherhood
2021.02.01: Excerpt from Setting the Board
2021.01.26: Excerpt from Moving The Pieces
2021.01.17: Author Update
2021.01.11: Excerpt from Building The People
2021.01.05: Excerpt from Preparing The Ground
2020.12.30: First Draft Excerpt from The End of Childhood
2020.12.21: Teaser for Working The Trenches
2020.12.14: Teaser for Empire and Earth
2020.12.06: First Draft excerpt from WIP: The End of Childhood
2020.12.01: First Draft Excerpt of Work in progress
2020.11.12: Teaser for A Guardian From Earth
2020.11.02: Excerpt from The End of Childhood First Draft
2020.10.29: The Man From Empire Teaser
2020.10.20: Excerpt from The End of Childhood first draft
2020.10.05: Work-In-Progress First Draft Excerpt: The End of Childhood
2020.09.22: Politics of Empire: The Price of Power
2020.09.15: Politics of Empire: The Invention of Motherhood
2020.09.08: Character Sketch from a False Start I Made
2020.08.31: Excerpt from The End of Childhood First Draft
2020.08.27: Excerpt from The Gates to Faerie
2020.08.17: Premise: Calmena and the Preparations For War series
2020.08.11: Excerpt from The Fountains of Aescalon
2020.08.04: Excerpt from The Monad Trap
2020.07.25: Short Excerpt from the first draft of The End of Childhood
2020.07.12: Why The Structure of the Empire's Government Looks Libertarian
2020.07.05: Character Interview: The Scimtar/Juarez Children in The End of Childhood
2020.06.25: First Draft Excerpt of Work in Progress: The End of Childhood
2020.06.17: First Draft Excerpt from Work in Progress
2020.06.03: Preparing the Ground - Now an IHIBRP 5 star Recommended Read
2020.05.27: Excerpt from The Monad Trap (Book Two of Connected Realms)
2020.05.21: Excerpt from Setting The Board
2020.05.13: Excerpt From The End of Childhood
2020.05.03: Excerpt from Preparing The Ground
2020.04.23: Character Interview: Graciela Juarez di Scimtar (The End of Childhood)
2020.04.15: New Work in Progress Excerpt
2020.04.04: The Gates To Faerie - 5 stars from a major reviewer!
2020.03.31: The Monad Trap Official Launch!
2020.03.26: The Monad Trap files are complete
2020.03.23: Review: Jewel of the Stars by Adam David Collings
2020.03.19: Cover Reveal for The Monad Trap
2020.03.11: Review: Under A Fallen Sun by John Coon
2020.03.05: The Monad Trap Finished
2020.03.02: Rough Draft Excerpt from Work In Progress: The Monad Trap
2020.02.22: Common Governmental Employees and Contracts in the Empire of Humanity
2020.02.12: Review: The Auctioneer by J. S. Frankel
2020.02.06: Service Points and Civilian Government in The Empire of Humanity
2020.02.06: Apology
2020.01.19: Excerpt From The Price of Power
2020.01.11: A Partial Cosmology of Connected Realms
2020.01.02: My Novels and Series and What's Next
2019.12.30: Review: Curse of the Dragon Stone
2019.12.16: First Draft Excerpt from The Monad Trap (Work in Progress)
2019.12.10: The Man From Empire - What I Learned
2019.12.04: Excerpt from The Invention of Motherhood
2019.11.28: Excerpt from Working The Trenches
2019.11.18: Excerpt from WIP: The Monad Trap (Connected Realms book 2)
2019.11.13: Character Interview: Zebulon Kyle from The Gates To Faerie
2019.11.04: Rediscovery Set Launches Today!
2019.10.23: Rediscovery 4 Book Omnibus
2019.10.17: Excerpt from Working The Trenches
2019.10.08: The Dirtiest Word in Fantasy or Science Fiction
2019.10.01: How I Respond to Reviews
2019.09.21: Calmena, the Planet where Preparations For War takes place
2019.09.19: Character Interview: Graciela di Scimtar (at the start of Working The Trenches)
2019.09.09: Excerpt from Empire and Earth
2019.09.03: Economics and Resources and Scarcity
2019.08.31: Best Gutpunches in Science Fiction and Fantasy
2019.08.26: Excerpt from A Guardian From Earth
2019.08.20: Setting The Board Launch Day!
2019.08.17: Setting The Board
2019.08.10: Character Interview: Alexan From Connected Realms
2019.08.04: Setting The Board Proposed Cover
2019.07.30: Setting the Board, The Monad Trap
2019.07.19: Advice to Authors About Blurbs
2019.07.16: Review of Tales of Magic and Destiny from Inklings Press
2019.07.07: Excerpt from "The Man From Empire"
2019.06.24: Character Introduction: Asina di Bernard in Setting The Board
2019.06.17: From the First Draft for Setting The Board
2019.06.09: Background: Rediscovery and the Reverse Rabbit Hole
2019.05.27: Character Hijacking the Novel - Again
2019.05.22: Excerpt from Rough Draft of Setting the Board
2019.05.14: Review > The Demon Always Wins
2019.05.13: Thank You to Working Title Blog for featuring me!
2019.05.12: What Types of Stories Do I Avoid as an Author?
2019.05.04: The Connected Realms Setting
2019.04.26: Setting the Board: First draft
2019.04.16: The Preparations for War Series
2019.04.07: The Gates To Faerie launches April 9th - Pre-order Now!
2019.04.04: Introduction to Setting the Board (Preparations for War Book 3)
2019.03.24: Gates to Faerie done
2019.03.14: My Author's Brand
2019.03.03: Excerpt from WIP: The Gates to Faerie
2019.02.24: The Connected Worlds setting
2019.02.13: Excerpt from WIP: The Gates to Faerie
2019.01.31: Preparations for War - Series Overview
2019.01.22: Working the Trenches, discussion and excerpt
2019.01.12: Excerpt from Work in Progress: The Gates to Faerie
2018.12.31: Empire and Earth discussion and excerpt
2018.12.18: A Guardian From Earth discussion and excerpt
2018.12.06: Excerpt from The Man From Empire
2018.11.27: Price of Power Published
2018.11.17: New Work in Progress - The Gates of Faerie
2018.11.12: Excerpt from Work in Progress - The Price of Power
2018.11.08: Over the Climactic Scene Hump
2018.10.23: Excerpt from Work in Progress: The Price of Power
2018.10.20: New Cover for Working the Trenches
2018.10.15: All Older Covers Finally Replaced, Paperbacks Moved to Kindle Direct
2018.10.11: Excerpt from Work in Progress: The Price of Power
2018.10.03: New Cover for The Invention of Motherhood!
2018.09.27: Excerpt from The Price of Power
2018.09.15: Review: Pretty Waiter Girls by Greg Aldredge
2018.09.15: Review: KOR AND THE WINGLESS STRANGER by Sanna Hines
2018.09.12: New Cover for Preparing the Ground
2018.08.22: Excerpt from The Price of Power
2018.08.13: New Cover for A Guardian From Earth
2018.08.03: Gates of Faerie Intro
2018.07.23: Excerpt from Work in Progress: The Price of Power
2018.07.13: The Man From Empire
2018.06.19: New Cover for The Man From Empire
2018.06.18: Opening page of 'The Price of Power', currently in progress
2018.06.10: Excerpt from Working the Trenches
2018.06.01: Excerpt from Empire and Earth
2018.05.27: Commissioned Officers in the Empire of Humanity
2018.05.15: Review of Akrad's Children by Jeanette O'Hagan
2018.05.06: Excerpt from The Fountains of Aescalon
2018.04.16: The Fountains of Aescalon
2018.04.04: Original First Draft from Fountains of Aescalon
2018.03.26: Military Rank In the Empire of Humanity - Delegated Commissions
2018.03.16: The Military in the Empire of Humanity - Rank Structure of the Common Ranks
2018.03.10: Excerpt from Book Two of Politics of Empire
2018.03.05: First Major Review of The Invention of Motherhood
2018.03.03: Excerpt from A Guardian From Earth (Book Two of Rediscovery)
2018.02.21: Fountains of Aescalon Finished!
2018.02.19: WIP update: Fountains of Aescalon
2018.02.11: Excerpt from Work In Progress - The Fountains of Aescalon
2018.02.06: Excerpt from The Man From Empire
2018.01.23: Excerpt from The Invention of Motherhood
2018.01.15: The Great Old Ones in the Empire of Humanity
2018.01.06: The Military in the Empire of Humanity - Branches
2017.12.31: Excerpt from Building the People (Preparations for War, Book Two)
2017.12.26: Excerpt from Preparing the Ground (Preparations for War Book One)
2017.12.20: Excerpt from The Fountains of Aescalon
2017.12.12: Excerpt from The Man From Empire
2017.12.03: Excerpt from Empire and Earth (Rediscovery Book 3)
2017.11.26: Praxeology - Something I Love
2017.11.22: Characters Hijacking the Story - One Way You Know You're On the Right Track
2017.11.16: Excerpt from A Guardian From Earth
2017.11.10: Excerpt from The Fountains of Aescalon
2017.11.05: Excerpt from The Fountains of Aescalon
2017.11.01: Review: Destiny of Kings by Fiona Tarr
2017.10.31: Character sketch: Asina from Preparing the Ground
2017.10.24: Character Sketch: Joseph Bernard ("Joe") from Preparing The Ground
2017.10.23: Government in the Empire of Humanity
2017.10.18: Graciela Juarez ("Grace") in The Man From Empire
2017.10.16: Historic versus Current Terms for operants in the Empire
2017.10.11: A Thumbnail Sketch of the Empire's History
2017.10.04: My Author's Brand
2017.10.02: Official Launch Day for The Invention of Motherhood
2017.09.28: Short Excerpt from The Invention of Motherhood
2017.09.26: My Fiction is available on Multiple new channels thanks to Draft2Digital
2017.09.23: Excerpt from The Invention of Motherhood
2017.09.22: Review: Schooled in Magic by Christopher Nuttall (Spoiler free)
2017.09.05: The Invention of Motherhood finished
2017.08.30: Excerpt from Work in Progress: "The Invention of Motherhood"
2017.08.09: Review: Too Wyrd by Sarah Buhrman (Spoiler Free)
2017.08.06: Excerpt from "The Man From Empire"
2017.07.27: The Characters Take Over - Again
2017.07.22: Author Interview
2017.07.15: Review: A Spell In The Country by Morgan Smith (Spoiler free)
2017.07.11: Prime Day: Amazon Prime Gets 40% off all my books in Kindle format!
2017.07.04: Review: Showdown, WyrdWest Chronicles 1 by Diane Morrison
2017.07.02: The Man From Empire Chapter One Excerpt
2017.07.01: Man From Empire Kindle sale
2017.06.25: Mutual Promotion Push in July
2017.06.20: Current Project: The Invention of Motherhood
2017.05.22: Building The People Published (Preparations for War Book 2)
2017.05.17: Building The People (Preparations For War, Book 2)
2017.03.08: Building The People off to the Beta Readers
2016.12.19: Amazon Christmas Kindle Deals
2016.11.20: Man From Empire: Free textfile for a review
2016.07.05: Published Today: What Consumers Need to Know About Buying Real Estate
2016.06.29: What Consumers Need to Know About Buying Real Estate
2016.06.27: What Consumers Need to Know About Buying Real Estate being finalized
2016.05.15: Current Projects
2016.04.11: New Release: Preparing the Ground
2016.03.11: New Novel Finished
2016.01.05: Free E-book: The Man From Empire
2015.03.08: You're Not Arguing Science, You're Preaching Religion
2015.02.05: Debunking More Anti-Vaccine Propaganda
2015.01.26: What Consumers Need To Know About Mortgages Released
2015.01.20: A Short Excerpt From "What Consumers Need To Know About Mortgages"
2014.12.24: What's Coming
2014.10.09: Trying an Experiment - Switching Off
2014.09.29: Working The Trenches Published
2014.09.27: Working the Trenches (Fourth Grace Novel)
2014.09.25: Fourth Grace Novel - Trying for Art
2014.08.09: Fourth Grace Novel To The Readers
2014.08.02: When You're Writing About Smart People
2014.07.12: I Hate Making Transcription Errors
2014.04.13: Changing Projects
2014.02.18: Astronomers make writing sf tougher
2014.02.17: What I'm writing now
2014.02.02: Universe Building The Empire Step One Iteration Two
2014.01.25: Thank you for those who bought
2014.01.20: Empire and Earth (Rediscovery Book 3) now available
2014.01.18: Thank you to Sarah Hoyt
2014.01.17: Rediscovery Book Three: Empire and Earth files uploaded
2014.01.02: Third Book is With the Readers
2013.12.30: Third Book
2013.12.26: Universe Building the Empire: Step Two
2013.12.06: Universe Building The Empire: Step One
2013.11.21: The Man From Empire E-Book Sale
2013.11.05: Print on Demand of "The Man From Empire"
2013.10.10: My Second Science Fiction Novel is now Finished
2013.09.27: First Review of my book? Five Stars!!! Awesome!
2013.09.25: My Science Fiction Novel is now sending with the correct cover
2013.09.23: I wrote a Science Fiction Novel
2010.10.12: New Consumer Article: Eminent Domain Abuse: Putting a Stop to It
2009.12.09: New Consumer Article: The 2010 Good Faith Estimate (Page Three)
2009.12.08: New Consumer Article: The 2010 Good Faith Estimate (Page Two)
2009.12.07: New Consumer Article: The 2010 Good Faith Estimate (Page One)
2009.11.11: Project VALOUR-IT
2009.10.28: New Consumer Article: Changes In The Mortgage Market And Transparency Since 2005
2009.10.22: New HOMESTEPS Property List October 22nd, 2009
2009.09.18: Real Loans for Real People September 18th, 2009
2009.09.18: New HOMESTEPS Property List September 10th, 2009
2009.09.11: New HOMESTEPS Property List September 10th, 2009
2009.09.08: New Consumer Article: Low Asking Price on Unfinanceable Properties
2009.09.01: Real Loans for Real People September 1, 2009
2009.08.27: New HOMESTEPS Property List August 27th, 2009
2009.08.17: New Consumer Article: Automated Underwriting In Pre-Qualification or Pre-Approval Letters
2009.08.14: Real Loans for Real People August 14th, 2009
2009.08.14: New HOMESTEPS Property List August 13th, 2009
2009.08.10: New Consumer Article: Two Things Sellers Need To Understand About Buyers
2009.08.06: New HOMESTEPS Property List August 6th, 2009
2009.08.05: New Consumer Article: Asking Price Versus Sales Price
2009.08.04: New Consumer Article: State of The San Diego Real Estate Market August 2009
2009.07.20: New Consumer Article: Assuming Seller Concessions On Loan Quotes
2009.07.17: New HOMESTEPS Property List July 16th, 2009
2009.07.14: Real Loans for Real People July 14th, 2009
2009.07.13: New Consumer Article: Some Offers Are More Equal Than Others
2009.07.09: New HOMESTEPS Property List July 9th, 2009
2009.07.07: Fannie Mae and Freddie Mac Expanding "Upside Down" or "Underwater" Refinance to 125%
2009.07.07: Real Loans for Real People July 7th, 2009
2009.07.07: New Consumer Article: The Loan Shopping Koan
2009.07.06: New Consumer Article: How To Keep Listing Agents From Filtering Out Offers
2009.07.01: New Consumer Article: Short Sale Negotiators and the Interests of Potential Buyers
2009.06.29: New Consumer Article: They Told Me Not To Make My Loan Payment
2009.06.25: New HOMESTEPS Property List June 25th, 2009
2009.06.24: Real Loans for Real People June 24th, 2009
2009.06.24: New Consumer Article: Why Sellers Should Counter All Reasonable Offers
2009.06.22: New Consumer Article: Real Estate and "Priced for Perfection"
2009.06.16: New Consumer Article: There Is No Fairy Godmother for Loans
2009.06.15: By Way of Apology For My Skepticism
2009.06.15: New Consumer Article: "I'm Working With Someone Else, But Could You Just Help Me With..."
2009.06.14: Caught Doing Good!
2009.06.14: General Consumer Articles: Week in Review June 1st to June 14th 2009
2009.06.11: New HOMESTEPS Property List June 11th, 2009
2009.06.10: Real Loans for Real People June 10th, 2009
2009.06.09: New Consumer Article: The Sperm Donor Theory of Buyer's Agents
2009.06.08: New Consumer Article: Segmented Real Estate Markets And Taking Advantage of Them
2009.06.04: New HOMESTEPS Property List June 4th, 2009
2009.06.04: Real Loans for Real People June 4th, 2009
2009.05.31: General Consumer Articles: Weeks in Review May 11th-May 31st
2009.05.30: Consumer Focused Carnival of Real Estate May 2009
2009.05.28: New HOMESTEPS Property List May 28th, 2009
2009.05.27: Real Loans for Real People May 27th, 2009
2009.05.27: New Consumer Article: I'm Competing Against Multiple Offers. How Do I Proceed?
2009.05.25: Disneyland Trip
2009.05.24: General Consumer Articles: Weeks in Review April 20th-May 10th
2009.05.21: New HOMESTEPS Property List May 21st, 2009
2009.05.21: Real Loans for Real People May 21st, 2009
2009.05.19: New Consumer Article: The Measurement Unit For Desirability Is Dollars
2009.05.18: Debunking the "Record Wave of Foreclosures Coming" Myth
2009.05.18: New Consumer Article: Student Loans and Real Estate Loans: Default, Repayment vs. Nonpayment and Consolidation
2009.05.17: General Consumer Articles: Weeks in Review March 29-April 19, 2009
2009.05.14: New HOMESTEPS Property List May 14th, 2009
2009.05.14: FHA Approves Using Tax Credit for Closing Costs
2009.05.14: New Consumer Article: Buying Real Estate Isn't Simple
2009.05.12: Real Loans for Real People May 12th, 2009
2009.05.12: New Consumer Article: Restricted Sale Property: Very Difficult to Find A Loan
2009.05.11: Bonus Article: HR 1728: Proof That This Congress Is In the Pockets of Big Banks
2009.05.11: Carnival of Real Estate #141
2009.05.11: New Consumer Article: You Want an Agency That Can Pay ENOUGH Attention to YOU
2009.05.07: New HOMESTEPS Property List May 7th, 2009
2009.05.05: Real Loans for Real People May 5th, 2009
2009.04.30: New HOMESTEPS Property List April 30th, 2009
2009.04.30: Real Loans for Real People April 30th, 2009
2009.04.30: Consumer Focused Carnival of Real Estate
2009.04.27: New Consumer Article: 105% Refinancing With No PMI (Maybe)
2009.04.24: New HOMESTEPS Property List April 23rd, 2009
2009.04.21: Real Loans for Real People April 21st, 2009
2009.04.21: State of the La Mesa and East County Real Estate Market April 2009
2009.04.20: New Consumer Article: Shopping For The Best Loan In The New Lending Environment
2009.04.17: New HOMESTEPS Property List April 16th, 2009
2009.04.15: Real Loans for Real People April 15th 2009
2009.04.09: New HOMESTEPS Property List April 9th, 2009
2009.04.06: New Consumer Article: Who Has A Legitimate Interest In A Real Estate Transaction?
2009.04.02: New Consumer Article: How Agents Should Respond To An Appraisal Below Purchase Price
2009.03.31: New Consumer Article: Rental Fraud, Landlord Fraud, and Prospective Tenant Scams
2009.03.30: Consumer Focused Carnival of Real Estate
2009.03.29: General Consumer Articles: Week in Review March 23-29, 2009
2009.03.26: New HOMESTEPS Property List March 26th, 2009
2009.03.26: New Consumer Article: The Home Valuation Code of Conduct (New Appraisal Standards)
2009.03.24: Real Loans for Real People March 24th, 2009
2009.03.24: New Consumer Article: What Are The Note And Trust Deed And What Is The Difference?
2009.03.23: New Consumer Article: Stretching Your Budget Means Compromise
2009.03.22: General Consumer Articles: Weeks in Review March 9-22, 2009
2009.03.19: New HOMESTEPS Property List March 19th, 2009
2009.03.18: New Consumer Article: Top Twelve Things That Help You Buy a Bargain Property
2009.03.17: New Consumer Article: Loan Fall-Out And The Effects Upon Consumers
2009.03.13: New Consumer Article: Online Real Estate Photographs
2009.03.11: New Consumer Article: The Difference Between a Reliable and Unreliable Prequalification or Preapproval Letter
2009.03.10: Real Loans for Real People March 10th, 2009
2009.03.08: New HOMESTEPS Property List March 5th, 2009
2009.03.08: General Consumer Articles: Week in Review March 2-8, 2009
2009.03.03: Real Loans for Real People March 3rd, 2009
2009.03.03: State of the San Diego Real Estate Market March 2009
2009.03.01: General Consumer Articles:Weeks in Review February 16 March 1, 2009
2009.02.28: Consumer Focused Carnival of Real Estate
2009.02.27: New HOMESTEPS Property List February 26th, 2009
2009.02.25: Real Loans for Real People February 25th, 2009
2009.02.25: New HOMESTEPS Property List February 23rd, 2009
2009.02.25: New Consumer Article: Why It May Be Costly to Reject Paying Points
2009.02.24: New Consumer Article: Title Deeds And The Form They Should Take
2009.02.23: New Consumer Article: Confusing Past Performance and the Present Situation with Future Planning
2009.02.19: New Consumer Article: Selling the Property You Should Never Have Bought
2009.02.18: San Diego Assessment Appeals Board
2009.02.18: New Consumer Article: Games with Mortgage Loan Rate Locks (Games Lenders Play Part 10)
2009.02.17: Real Loans for Real People February 17th, 2009
2009.02.17: New Consumer Article: Finding a Good Buyer's Agent (And Eliminating Bad Ones)
2009.02.15: General Consumer Articles:Week in Review February 9-15, 2009
2009.02.13: New HOMESTEPS Property List February 12th, 2009
2009.02.11: Real Loans for Real People February 11th, 2009
2009.02.11: New Consumer Article: Transaction Coordinator: For The Agent's Benefit, Not The Consumers
2009.02.10: New Consumer Article: Investment Property and Loan Qualification
2009.02.09: New Consumer Article: Getting A Loan In A Paranoid Lending Environment
2009.02.08: General Consumer Articles:Weeks in Review January 26 - February 8, 2009
2009.02.05: New HOMESTEPS Property List February 5th, 2009
2009.02.04: New Consumer Article: Military Housing Allowance and Loan Qualification
2009.02.03: Real Loans for Real People February 3rd, 2009
2009.02.02: New Consumer Article: Reasons Why You Want A Buyer's Agent
2009.01.30: Carnival: Consumer Focused Real Estate
2009.01.29: New HOMESTEPS Property List January 29th, 2009
2009.01.28: New Consumer Article: Jumbo Loans and The Current Market (January 2009)
2009.01.27: Real Loans for Real People January 27th, 2009
2009.01.27: New Consumer Article: Be Careful Moving Your Down Payment Money
2009.01.25: General Consumer Articles:Weeks in Review January 5-25, 2009
2009.01.23: New HOMESTEPS Property List January 22nd, 2009
2009.01.22: New Consumer Article: Fifteen Year Loans
2009.01.20: New Consumer Article: There Is Always A Reason For A Low Asking Price
2009.01.19: Real Loans for Real People January 19th, 2009
2009.01.19: New Consumer Article:"Quantity Has A Quality All Its Own"
2009.01.16: New HOMESTEPS Property List January 15th, 2009
2009.01.15: Real Loans for Real People January 15th, 2009
2009.01.11: New HOMESTEPS Property List January 11, 2009
2009.01.08: UPDATED Consumer Article: Refinancing When You Owe More Than The Home Is Worth
2009.01.06: Real Loans for Real People January 6th, 2009
2009.01.05: New HOMESTEPS Property List January 4, 2009
2009.01.04: General Consumer Articles:Week in Review December 29, 2008 - January 4, 2009
2008.12.30: Carnival: Consumer Focused Real Estate
2008.12.29: New Consumer Article: Termite Work, Wood Destroying Pest Agreements, and Lender Requirements
2008.12.28: New HOMESTEPS Property List December 28, 2008
2008.12.28: General Consumer Articles:Week in Review December 22-28, 2008
2008.12.25: Merry Christmas
2008.12.23: Real Loans for Real People December 23, 2008
2008.12.23: New HOMESTEPS Property List December 21, 2008
2008.12.23: New Consumer Article: The Hope (Dashed) For Homeowners Program
2008.12.22: New Consumer Article: Why You Don't Want A "Top Producer" Listing Your Property
2008.12.21: Zoo Trip December 21, 2008
2008.12.21: General Consumer Articles:Weeks in Review December 8-21, 2008
2008.12.17: New Consumer Article: The Qualification Letter I Use for My Buyers and Require For My Listings
2008.12.16: New Consumer Article: It Is Illegal Under RESPA to Require Even Prequalification With a Particular Lender
2008.12.15: Real Loans for Real People December 15th, 2008
2008.12.14: The Best Santa Claus
2008.12.12: New HOMESTEPS Properties List December 11, 2008
2008.12.09: Real Loans for Real People December 9, 2008
2008.12.09: New Consumer Article: Multiple Offers: Weak But Increasingly Common, And It's Your Listing Agent's Fault
2008.12.08: New Consumer Article: Buyer's Agents Presenting An Offer In Person
2008.12.07: General Consumer Articles:Week in Review December 1-7, 2008
2008.12.04: New HOMESTEPS Properties List December 4th 2008
2008.12.04: New Consumer Article: Adverse Possession
2008.12.03: Real Loans for Real People December 3rd, 2008
2008.12.02: New Consumer Article: Fake Agent Scams
2008.12.01: New Consumer Article: Cash to Close - A Basic Primer
2008.11.30: General Consumer Articles:Week in Review November 24-30, 2008
2008.11.28: New HOMESTEPS Properties, November 27, 2008
2008.11.27: Project Valour IT
2008.11.25: Real Loans for Real People November 25th, 2008
2008.11.23: General Consumer Articles: Weeks in Review November 3-23, 2008
2008.11.21: New Homesteps Properties November 20, 2008
2008.11.19: New Consumer Article: Stop Short Sale Bait and Switch
2008.11.18: New Consumer Article: You've Got a Great Offer, But Can The Buyer Consummate It? (Cash to Close)
2008.11.17: Real Loans for Real People November 17th, 2008
2008.11.17: New Consumer Article: Mortgage Fraud Is Still Happening - What To Do About It
2008.11.14: New Homesteps Properties November 13th, 2008
2008.11.13: New Consumer Article: New Good Faith Estimate and HUD 1 Form Approved
2008.11.10: Real Loans for Real People November 10th, 2008
2008.11.04: New Consumer Article: How Much Down Payment Do I Need and How Do I Get It?
2008.11.03: New Consumer Article: VA Loans Have Become The Magic Bullet
2008.11.02: General Consumer Articles: Week in Review October 20-26, (and Oct 27-Nov 2) 2008
2008.11.02: New Homesteps Properties October 30, 2008
2008.10.30: New Article: Consumer Focused Carnival of Real Estate
2008.10.29: Notice: I Am No Longer Affiliated with Mortgages Unzipped
2008.10.27: New Consumer Article: Will I Qualify for the Loan to Buy Real Estate During The Market Meltdown?
2008.10.25: New Homesteps Properties October 25th 2008
2008.10.23: What Sort of Loan Can I Get? (October 2008)
2008.10.21: New Consumer Article: Why You Should Not Walk Away From Upside-Down Real Estate
2008.10.20: Real Loans For Real People October 20th, 2008
2008.10.20: New Consumer Article: When Loan Modification Will Not Help, or Is Not Appropriate
2008.10.19: General Consumer Articles: Week in Review October 13-19, 2008
2008.10.17: New Consumer Article: How Loan Modification Benefits The Real Estate Markets
2008.10.16: Homesteps Properties October 16, 2008
2008.10.16: New Consumer Article: Mortgage Loan Modification
2008.10.15: Mortgage Loan Modification
2008.10.14: Real Loans For Real People October 14, 2008
2008.10.14: New Consumer Article: Offers Where The Buyer Knows About A Problem With Your Property
2008.10.13: New Consumer Article: APR vs APY: What The Difference Between Note Rate and APR Tells You
2008.10.12: Julia Jumps Into The Tub With Ramona
2008.10.09: New Homesteps Properties: October 9, 2008
2008.10.08: Real Loans For Real People October 8, 2008
2008.10.07: Neighborhoods of La Mesa: Lake Murray
2008.10.05: General Consumer Articles: Week in Review September 29 to October 5, 2008
2008.10.02: East County Homesteps Properties October 2, 2008
2008.10.01: New Consumer Article: Advertising a Sold Property As Available on MLS
2008.09.30: Consumer Focused Carnival of Real Estate
2008.09.29: Real Loans For Real People September 29th, 2008
2008.09.29: New Consumer Article: Second Trust Deeds: Home Equity Loans and Home Equity Lines of Credit
2008.09.28: General Consumer Articles: Week in Review September 22-28, 2008
2008.09.25: New Homesteps Properties: September 25th, 2008
2008.09.25: New Consumer Article: "Buy and Bail" or Buying One Home Before Foreclosure on Another
2008.09.24: Real Loans for Real People September 24th, 2008
2008.09.23: New Consumer Article: The Return of Portfolio Lending
2008.09.22: New Consumer Article September 22, 2008
2008.09.21: General Consumer Articles: Week in Review September 15-21, 2008
2008.09.19: Neighborhoods of La Mesa: Eastridge
2008.09.18: New Homesteps Properties: September 18th, 2008
2008.09.17: New Consumer Article September 17, 2008
2008.09.16: New Consumer Article September 16th, 2008
2008.09.15: New Consumer Article September 15th, 2008
2008.09.14: General Consumer Articles: Week in Review September 8-14, 2008
2008.09.12: New Homesteps Properties: September 11, 2008
2008.09.10: New Consumer Article September 10, 2008
2008.09.09: New Consumer Article September 9, 2008
2008.09.08: New Consumer Article September 8, 2008
2008.09.08: General Consumer Articles: Week in Review September 1-7, 2008
2008.09.05: New Consumer Article September 5, 2008
2008.09.04: New Homesteps Properties: September 4th, 2008
2008.09.04: Neighborhoods of La Mesa: Summit Hill
2008.09.04: New Consumer Article September 4, 2008
2008.09.03: Hot Bargain Property September 3, 2008
2008.09.03: New Consumer Article September 3, 2008
2008.09.02: Neighborhoods of La Mesa: Normal Avenue
2008.09.02: Hot Bargain Property September 2nd, 2008
2008.09.02: New Consumer Article September 2, 2008
2008.08.31: General Consumer Articles: Week in Review August 31, 2008
2008.08.28: East County New Homesteps Properties August 28th 2008
2008.08.28: New Consumer Article August 28th, 2008
2008.08.27: Hot Bargain Property August 27th, 2008
2008.08.26: New Consumer Article August 26th, 2008
2008.08.25: Neighborhoods of La Mesa: Connecticut Avenue
2008.08.25: New Consumer Article August 25th, 2008
2008.08.24: General Consumer Articles: Week in Review August 24, 2008
2008.08.21: Neighborhoods of La Mesa: Griffen Park (Murray Street)
2008.08.21: New Consumer Article August 21, 2008
2008.08.19: New Consumer Article August 19, 2008
2008.08.18: New Consumer Article August 18th, 2008
2008.08.17: General Consumer Articles: Week in Review August 17th, 2008
2008.08.13: New Consumer Article August 13, 2008
2008.08.12: Neighborhoods of La Mesa: Northmont
2008.08.12: New Consumer Article August 12, 2008
2008.08.11: New Consumer Article August 11, 2008
2008.08.06: Neighborhoods of La Mesa: Maryland Avenue
2008.08.06: New Consumer Article: August 6th, 2008
2008.08.04: Is San Diego Market Underpriced or Overpriced? - A Thought Experiment for August 2008
2008.08.03: General Consumer Articles: Week in Review July 28th - August 3, 2008
2008.07.30: Neighborhoods of La Mesa: Vista La Mesa
2008.07.30: New Consumer Articles: Consumer Focused Carnival of Real Estate
2008.07.29: Gas Under $4 Per Gallon in San Diego!
2008.07.29: New Consumer Article: July 29th, 2008
2008.07.28: New Consumer Article: July 28th, 2008
2008.07.27: Neighborhoods of La Mesa: The Village, aka Downtown
2008.07.27: Consumer Articles: Week in Review July 21-27, 2008
2008.07.23: Neighborhoods of La Mesa: Rolando
2008.07.23: New Consumer Article July 23, 3008
2008.07.22: New Consumer Article July 22, 2008
2008.07.21: New Consumer Article July 21, 2008
2008.07.20: Consumer Articles: Week in Review July 20th, 2008. Health Returning but Dead Dog
2008.07.19: Mellon
2008.07.16: Updated Consumer Article July 16th, 2008
2008.07.14: New Consumer Article July 14, 2008
2008.07.13: Consumer Articles: Week in Review July 13th, 2008
2008.07.10: Apology for the low output of the last few days
2008.07.09: New Consumer Article July 9, 2008
2008.07.07: Announcement
2008.07.06: Non-Recourse Purchase Money Loans in California
2008.07.05: Stand Alone versus Piggyback Second Trust Deeds
2008.07.04: Demands Listing Agents Make That Aren't in Their Clients Best Interest
2008.07.03: What Happens After You Buy A Vampire Property?
2008.07.02: Pre-Payment Penalties and Second Trust Deeds
2008.07.01: Real Estate: Getting From Where You Are To Where You Want To Be
2008.06.30: The Lure and the Trap of Debt Consolidation - and the Possible Benefits
2008.06.29: Stupid Negotiating Tricks: Appeal to Pity (or Falling for Appeal to Pity)
2008.06.28: The High Cost of Waiting To Buy A Home
2008.06.27: Vampire Properties
2008.06.26: What to Do When Your Loan is Declined
2008.06.25: What Remodeling is Likely to Show a Profit on Sale?
2008.06.24: Real Loans for Real People June 24, 2008
2008.06.24: Top Ten Reasons You Bought The Wrong House
2008.06.23: Real Estate "Pig In a Poke"
2008.06.22: What Happens To Equity During and After Foreclosure?
2008.06.21: Save For A Down Payment or Buy Now? (Part 2 of 2)
2008.06.20: Save For A Down Payment or Buy Now? (Part 1 of 2)
2008.06.19: Who Does Creating Artificial Barriers to Growth Hurt?
2008.06.18: California's Home Equity Sales Contract Act
2008.06.17: Real Loans for Real People June 17th, 2008
2008.06.17: How Can I Lower The Down Payment Requirements So I Can Buy Real Estate?
2008.06.16: Agents "Buying" Listings: Promising the Undeliverable and Hurting Their Clients
2008.06.15: Buying or Selling Subject to Existing Deeds of Trust
2008.06.14: Deferred Payment Mortgages - Not As Bad As I Expected
2008.06.13: Real Loans for Real People June 13, 2008
2008.06.13: Don't Let Cash Make You Stupid About Real Estate
2008.06.12: You Are Never Obligated To Sell to a Given Offer
2008.06.11: Daughter Caught Doing Well!
2008.06.11: Why Do Purchase Escrows Fall Apart? (And Why Is It Happening More Often?)
2008.06.10: NEWSFLASH! SAN DIEGO DECLINING MARKET DESIGNATOR REMOVED!
2008.06.10: Why You Want The Lender to Assume Pricing Risk
2008.06.09: The History of Suburban Housing
2008.06.08: The Three Purposes of Real Estate Loans Defined
2008.06.07: What Exactly do First Time Home Buyers Need?
2008.06.06: San Diego Real Estate Market: June 2008 Advice
2008.06.05: Unsustainable Loans You Should Not Use to Purchase a Property
2008.06.04: Hot Bargain Property June 4, 2008
2008.06.04: Mortgage Lenders Don't Want to Compete on Price
2008.06.03: Real Loans For Real People June 3, 2008
2008.06.03: Why Is My Rate Higher Than My Lender Promised?
2008.06.02: Protecting My Buyer Clients Good Faith Deposit
2008.06.01: Buying Out A Partner - With Complications
2008.05.31: Clients a Good Agent Does Not Want
2008.05.30: Prepaid Interest and Why You Never Really Skip a Mortgage Payment
2008.05.29: What Happens If I Don't Sign Mortgage Documents?
2008.05.28: Real Loans For Real People May 28, 2008
2008.05.28: Is The Good Faith Deposit At Risk?
2008.05.27: Why Cost Is As Important As Rate For Mortgage Loans
2008.05.26: Hot Bargain Property May 26th, 2008
2008.05.26: Zillow Post for First Time Buyers
2008.05.25: Hot Bargain Property May 25th, 2008
2008.05.25: Can I Afford This Property?
2008.05.24: Hot Bargain Property May 24th, 2008
2008.05.24: What Happens When You Over-Price Real Estate?
2008.05.23: Hot Bargain Property May 23, 2008
2008.05.23: What is Reasonable Loan Officer Compensation?
2008.05.22: Hot Bargain Property May 22nd, 2008
2008.05.22: Real Loans For Real People May 22nd, 2008
2008.05.22: Mortgage Accelerator Programs: A Good Basic Idea, But the Devil Is In the Details
2008.05.21: Online Mortgage Quotes
2008.05.20: Top Ten Reasons Your Home Isn't Selling
2008.05.19: The Best Way to Avoid Default and Foreclosure
2008.05.18: You Only Need Negative Amortization Disclosures on Negative Amortization Loans
2008.05.17: Selling to Avoid Foreclosure in a Buyer's Market
2008.05.16: Why Buyers and Refinancers Should Consider a 5/1 ARM Again
2008.05.15: Joint Loans for Unmarried People
2008.05.14: Real Loans for Real People May 14, 2008
2008.05.14: How to Use Internet Based Real Estate Sites
2008.05.13: Shop Loans By The Total Cost To You, Not By What the Provider Makes
2008.05.12: A Good Listing Agent's Most Important Responsibility
2008.05.11: Getting a Loan Provider to Agree to be a Backup Loan
2008.05.10: Title Searches Missing a Lien
2008.05.09: Dangers of a Poorly Written Real Estate Purchase Offer
2008.05.08: Loan Assumption and Assumable Loans
2008.05.07: Hot Bargain Property May 7th, 2008
2008.05.07: Real Loans For Real People May 7, 2008
2008.05.07: The Perfect Time To Buy
2008.05.06: Buyers, Asking Price and Days on Market
2008.05.05: Listing Agents Who Want Both Halves of The Commission
2008.05.04: Can a Lender Legally Stop Loan Funding After Signing?
2008.05.03: From How Much You Make to A Payment You Can Afford
2008.05.02: Lenders Holding Your Money Hostage
2008.05.01: Real Loans for Real People May 1, 2008
2008.05.01: Time in Line of Work for Mortgage Qualification - What Counts?
2008.04.30: Writing Real Estate Purchase Offers to Beat Higher Competing Offers
2008.04.29: Hot Bargain Property April 29th, 2008
2008.04.29: Consult a Loan Officer to Make a Purchase Offer
2008.04.28: April 2008: Why Loan Rates Are Cheap
2008.04.27: Sellers Lending to Buyers and Selling the Note
2008.04.26: Contingent Sales in a Buyer's Market
2008.04.25: First Time Home Buyer Assistance Programs: Locally Based
2008.04.24: Hot Bargain Property April 24th, 2008
2008.04.24: Real Loans for Real People April 24, 2008
2008.04.24: Why Buyers Should Avoid Short Sales
2008.04.23: Sixty Second Public Service Announcement About Selling Real Estate
2008.04.22: What $5 (and Higher) Gas Means to Suburban and Exurban Real Estate
2008.04.21: Real Estate: Giving Someone a Monopoly Does Not Encourage Top Performance
2008.04.20: Paying Off Old Past Due Bills Without Hurting Your Credit
2008.04.19: Never Choose A Loan (or a House) Based Upon Payment
2008.04.18: Can You Get A Mortgage On a Condemned House?
2008.04.17: Pretending the Service Equation is Simpler Than It Is
2008.04.16: My Sixty Second Public Service Announcement about Buying Real Estate
2008.04.15: Retirement Account Contributions and Mortgage Loan Qualification
2008.04.14: Another Scam: "Negative Equity? Sell and Get Cash!"
2008.04.13: Buyers Who Don't Want A Buyer's Agent
2008.04.12: Consumer Due Diligence on Real Estate and Mortgage Loans
2008.04.11: Choosing Buyer's Agents By Commission Rebate: Penny Wise, Pound Foolish
2008.04.10: Today's Turkey
2008.04.10: Altering the Mortgage Contract: The Lender Trying To Add A Prepayment Penalty After the Fact
2008.04.09: Real Loans For Real People April 9th, 2008
2008.04.09: Investing Exclusively in Real Estate?
2008.04.08: My Thirty Second Public Service Announcement On Mortgage Loans
2008.04.07: Hot Bargain Property April 7th, 2008
2008.04.07: Trying to Hurry Real Estate - Don't
2008.04.06: Why the Current State of New Developer Housing
2008.04.05: Why Do Lenders Sell Mortgages?
2008.04.04: Real Loans For Real People April 4, 2008
2008.04.04: The Ideal Listing Commission and its Structure: Performance Based
2008.04.03: Unpaid Liens After The Sale, and Subrogation
2008.04.02: Real Loans For Real People April 2nd, 2008
2008.04.02: The Difference Between Note Rate (APY) and APR
2008.04.01: Straw Buyer Fraud
2008.03.31: Hot Bargain Property March 31st, 2008
2008.03.31: Buyer's Markets: Do You Need to Sell Or Are You Part of The Problem?
2008.03.30: Multiple Mortgage Inquiries Do Not Drop Your Credit Score
2008.03.29: Pro-rated Property Taxes
2008.03.28: Hot Bargain Property March 28th, 2008
2008.03.28: Real Loans for Real People March 28th, 2008
2008.03.28: How to Tell A Good Real Estate Market Article From A Bad One
2008.03.27: CBB: The Art of Setting Buyer's Agency Compensation on a Listing
2008.03.26: Forty and Fifty Year Mortgages
2008.03.25: Sourcing and Seasoning of Funds
2008.03.24: Steering: The Most Violated Law In Real Estate
2008.03.23: Should Negative Amortization Loans Be Banned?
2008.03.22: Manufactured, Modular, and Site-Built Homes: How Lending Practices Drive the Sales Market
2008.03.21: Undisclosed Short Sales
2008.03.20: Debunking the Money Merge Account Scam (Games Lenders Play, Part 8)
2008.03.19: Non-Exclusive Buyer's Agency Contract - A Bet Consumers Can't Lose
2008.03.18: Jumbo Conforming Loans: Tougher Standards Than Conforming Loans
2008.03.17: Real Loans for Real People March 17th, 2008 (UPDATE: MASSIVE IMPROVEMENT!)
2008.03.17: When Should A Buyer's Agent Ask You To Sign a Contract?
2008.03.16: Dual Agency: Using the Seller's Agent as Your Buyer's Agent
2008.03.15: Making Certain You Shop Your Mortgage - Whether You Want To Or Not
2008.03.14: San Diego Housing Market March 2008: Heating Back Up
2008.03.13: Refinancing With a Prepayment Penalty
2008.03.12: If Your Loan Falls Through
2008.03.11: Recourse Loans and Non-Recourse Loans
2008.03.10: Finding Bargain Real Estate: Work With the Buyer's Agent Who Actually Finds The Bargain!
2008.03.09: What Do I Really Need To Know To Buy a House and Get A Loan?
2008.03.08: Flipping vs Fixing vs Investing
2008.03.07: Why All The Fuss Over Real Estate Transactions?
2008.03.06: New Temporary FHA Conforming Loan Limits Announced!
2008.03.06: Real Estate and the Four Levels of Competence
2008.03.05: Avoiding Mortgage Prepayment Penalties by Partial Payment
2008.03.04: The Mortgage Loan Market Controls the Real Estate Market
2008.03.03: The Mechanics of Inheriting Real Estate
2008.03.02: Why Do I Have to Pay For The Appraisal When I Cancelled Escrow?
2008.03.01: What Do You Know That I Don't Know?
2008.02.29: Down Payment Assistance: Buying FHA With No Money Down Doesn't Require 100% Financing!
2008.02.28: Hot Bargain Property February 28th, 2008
2008.02.28: Real Loans for Real People February 28th, 2008
2008.02.28: Why There Is Money in Fixer Properties
2008.02.27: The Lender's Rules of Mortgage Payments
2008.02.26: The FHA Secure Program - Saving Some Homeowners From Foreclosure
2008.02.25: FHA Loans: Poised for a Comeback
2008.02.24: Do Furnishings Convey With The Property?
2008.02.23: What is the Best Way To Save For A Down Payment?
2008.02.22: Cash Back From The Seller to the Buyer in Real Estate Sales
2008.02.21: FYI: FHA Loans, FHA Secure, and Down Payment Assistance Programs
2008.02.21: Changing Rates and Streamline Refinancing - Reasons to Love Zero Cost Loans and Hybrid ARMs
2008.02.20: The Best Way To Solve Problems in Real Estate
2008.02.19: Real Estate Liquidation Auctions
2008.02.18: Relying Upon Reputation: There Are No Silver Bullets
2008.02.17: How Soon After You Purchase A Home Can You Refinance?
2008.02.16: Variable or Range Pricing of Real Estate
2008.02.15: What if Your Partner Refuses to Pay Their Share of a Loan or Mortgage (or Won't Pay on Time)?
2008.02.14: Is a VA Loan a Good Deal?
2008.02.13: Real Loans for Real People February 13th, 2008
2008.02.13: Conforming Loan Limits and the Economic Stimulus Package
2008.02.12: The Self-Fulfilling Prophecy of Lender Fear
2008.02.11: Disasters and the Mortgage
2008.02.10: When You Should Not Buy Real Estate
2008.02.09: Option ARMs and Cash Flow
2008.02.08: Hot Bargain Property February 8th, 2008
2008.02.08: Why Renting Really Is For Suckers (And What To Do About It)
2008.02.07: "I'll Pay For Your Appraisal" From a Loan Provider
2008.02.06: Real Loans For Real People February 6, 2008
2008.02.06: Issues with Relocation Loans
2008.02.05: Differences Between Loans Look Smaller Than They Are
2008.02.04: Hot Bargain Property February 4, 2008
2008.02.04: What Fees Can You Recover If Your Loan Is Denied?
2008.02.03: Issues Relating to One Spouse Qualifying For A Loan On Their Own
2008.02.02: What Pre-Approval Should Mean
2008.02.01: "We'll Beat Any Quote" in Mortgage Loans
2008.01.31: Private Mortgage Insurance Rates Jump
2008.01.30: Real Loans for Real People January 30, 2008
2008.01.30: I'm Sorry, Did You Think Your Good Faith Estimate (Or Mortgage Loan Disclosure Statement) Meant Anything?
2008.01.29: Dealing With Looming Forclosure - Get Out of Denial
2008.01.28: "Should I Refinance?" - Consider Overall Cost of Money, Not Payment
2008.01.27: Zero Cost Refinances
2008.01.26: Loan Cosigners in Real Estate - A Lot of Risk For Not Much Gain
2008.01.25: Loan Documents - Contracts of Adhesion
2008.01.24: Hot Bargain Property January 24th, 2008
2008.01.24: Buyer's Agency, Due Diligence, and the Illusion of Comity
2008.01.23: Real Loans for Real People January 23rd, 2008
2008.01.23: Hot Bargain Property January 23, 2008
2008.01.23: How Can Buyers Get the Lowest Possible Price on the Best Possible Property?
2008.01.22: Hot Bargain Property January 22, 2008
2008.01.22: Successful Refinancing - An Example of the Issues, Computations, and Thought Process
2008.01.21: Another Refinance Boom - With a Difference
2008.01.20: What is Loan Amortization?
2008.01.19: Deadlines in Real Estate Transactions
2008.01.18: Buying and Selling Properties with Unpermitted Additions
2008.01.17: Real Loans For Real People January 17th, 2008
2008.01.17: How to Sell Your Home Quickly and For The Best Possible Price
2008.01.16: Incorrect Legal Descriptions on a Trust Deed
2008.01.15: Real Estate Agents and Mortgage Loan Officers Don't Want to Compete
2008.01.14: First Time Buyer Programs: The Mortgage Credit Certificate (MCC)
2008.01.13: When The Appraisal Is Below The Purchase Price for Real Estate
2008.01.12: Loan Quote Guarantees
2008.01.11: Agents Refusing to Make an Offer on Real Estate
2008.01.10: Real Loans for Real People January 10, 2008
2008.01.10: Dissecting the "Lending Game"
2008.01.09: The Future of Real Estate Agency: Expert Consultants, Not Market Access
2008.01.08: Buyer's Markets Are A Great Time For Moving Up
2008.01.07: Fear and Greed Counterpoint
2008.01.06: Practical Applications: Credit Cards versus Home Equity Line Of Credit
2008.01.05: Some Free Loan Advice About Real Estate Transactions
2008.01.04: Bundling Agent Services: What Services Do You Want and Need?
2008.01.03: Time for Listing Agents To Earn Their Money
2008.01.02: Foreclosures - A Good Investment?
2008.01.01: Real Estate and Mortgages: Back to Basics?
2007.12.31: Greed Envy, or the Tale of Aesop's Dog
2007.12.30: Power of Attorney for Real Estate Transactions
2007.12.29: Getting Another Mortgage Loan After A Short Sale
2007.12.28: Quitclaiming Property with a Mortgage
2007.12.27: Loans Not Funded
2007.12.26: When The Underwriter Makes A Mistake
2007.12.25: Buying Investment Property - An Example of the Issues
2007.12.24: Let Me Tell You About The Loan You Could Have Had
2007.12.23: Legal Late Payments on Your Mortgage
2007.12.22: Homesteading and Declaration of Homestead
2007.12.21: Read The Full Note
2007.12.20: Buyer's Basic Guide to The Foreclosure Market and REOs
2007.12.19: New Proposed Federal Reserve Rules: Is This Supposed to Be Helpful Regulation?
2007.12.18: Rejected Offers to Purchase
2007.12.17: Yield Spread is a Beneficial Tool That Can Be Misused
2007.12.15: Can Someone Be Added to an Existing Mortgage?
2007.12.14: What Can You Recover From the Title Company?
2007.12.13: First Time Buyer Programs and Multi-Family Housing
2007.12.12: Which Makes More Difference - Buyer's Agent or Listing Agent?
2007.12.11: Real Loans for Real People December 11, 2007
2007.12.11: San Diego Market Prognosis December 2007
2007.12.10: Available Real Estate Loan Types
2007.12.09: Real Estate Boycotts
2007.12.08: Appraisal Fraud
2007.12.07: Saving Money by Refinancing Your Mortgage
2007.12.06: Real Loans For Real People December 6, 2007
2007.12.06: Buying Without An Agent - My Own Experience
2007.12.05: Nightmare Mortgages and Self-Destructive Behavior
2007.12.04: Real Estate and Loan Agents Selling Mortgage Life Insurance
2007.12.03: The Doctrine of Delaying The Moment Of Truth
2007.12.02: Inducements to Use A Particular Lender for a Purchase
2007.12.01: Making Prepayment Penalties Illegal
2007.11.30: Refinancing Has No Effect Upon Property Taxes
2007.11.29: Condo Assessments
2007.11.28: "Contractor's Specials"
2007.11.27: Do You Have to Lose Your Home in Bankruptcy?
2007.11.26: Recording Errors and Title Insurance
2007.11.25: Privacy Concerns in Real Estate Transactions
2007.11.24: New Family Member!
2007.11.24: Asset and Income Rentals - Borrowing Trouble at Usurous Rates
2007.11.23: Move Up Transactions Don't Just Happen
2007.11.22: An Apparent Red Flag that Isn't
2007.11.21: Consumer Focused Carnival of Real Estate
2007.11.20: Lender Paid Mortgage Insurance or Regular PMI?
2007.11.19: How to Avoid A Repeat of the Housing Market Mess
2007.11.18: The Economics of Housing Development
2007.11.17: Improving your Credit Score and Tradelines
2007.11.16: Investment Property and Sophisticated Users
2007.11.15: Seminar - Buying Foreclosures With Zero Down
2007.11.15: The Last Time I'm Going to Write About Blame for the Housing Market Mess
2007.11.14: Problems with Multiple Mortgages
2007.11.13: Transaction Case Study
2007.11.12: Project Valour IT
2007.11.12: Hot Bargain Property November 12, 2007
2007.11.12: Working with Multiple Agents for a Purchase
2007.11.11: Hot Bargain Property November 11, 2007
2007.11.11: Loans with Stealth "Cash Out"
2007.11.10: Hot Bargain Property for November 10th, 2007
2007.11.10: Bridge Loans
2007.11.09: Hot Bargain Property November 9th, 2007
2007.11.09: Payment, Interest Rate and Up Front Costs: Choosing a loan intelligently
2007.11.08: Real Loans for Real People November 8th, 2007
2007.11.08: Cheerleaders versus Analysts in Real Estate
2007.11.07: The Consequences of Not Shopping Multiple Lenders
2007.11.06: After You Sign Documents, Can You Cancel?
2007.11.05: Listing: Understand Your Target Market
2007.11.04: What Would I Buy With A Million Dollars?
2007.11.03: Buying One Property While Selling Another
2007.11.02: Is This Supposed to be Helpful Legislation? (A bad example from Illinois)
2007.11.01: Loan Rates for Low Income Families
2007.10.31: Sellers Cutting Their Own Throat In A Buyer's Market
2007.10.30: Adding People to Title for Multiple Residence Property
2007.10.29: Real Estate: Know What Can Be Fixed and What Can't, What's Profitable and What Isn't
2007.10.28: San Diego County Fire Information October 28, 2007
2007.10.28: Mineral Rights: They Can't Sell What They Don't Own
2007.10.27: San Diego County Fire Information October 27, 2007
2007.10.27: Lenders and Insurance Proceeds
2007.10.26: San Diego County Fires October 26th 2007 (UPDATE 2 1710)
2007.10.26: "Fixes" for the Mortgage Meltdown - You Can't Keep A Bad Idea Down
2007.10.25: San Diego County Fires October 25, 2007 (UPDATE 4 2010)
2007.10.24: San Diego County Fire Information October 24th 2007 (UPDATE 5 1950)
2007.10.23: San Diego County Fires October 23, 2007 (UPDATED 1955)
2007.10.23: Failure to Disclose a Material Known Fact to a Buyer
2007.10.22: San Diego County On Fire(UPDATED 20:30)
2007.10.22: The Tollbooth Model of Real Estate Agency
2007.10.21: Negative Amortization Loan Issues on Investment Property
2007.10.20: Hot Bargain Property October 20, 2007
2007.10.20: Facts Of Life On Buying and Selling "Without an Agent"
2007.10.19: Looking For Loans In All The Wrong Places
2007.10.18: Hot Bargain Property October 18th, 2007
2007.10.18: Mortgage Foreclosure and Taking of Other Assets
2007.10.17: Hot Bargain Property October 17th, 2007
2007.10.17: Seller's Failure to Disclose a Pending Assessment
2007.10.16: Real Loans for Real People October 16th, 2007
2007.10.16: Hot Bargain Property October 16th, 2007
2007.10.16: Retroactive Loan Qualification Problems After Recording
2007.10.15: Economics of Home Ownership in High Density Areas
2007.10.14: Games Lenders Play, Part V
2007.10.13: Games Lenders Play (Part IV)
2007.10.12: Hot Bargain Properties October 12th, 2007
2007.10.12: Bankruptcy and Avoiding Foreclosure
2007.10.11: Hot Bargain Property October 11th, 2007
2007.10.11: Real Loans for Real People October 11, 2007
2007.10.11: The Secrets to Good Transactions
2007.10.10: Regulators Toughen Negative Amortization Loans?
2007.10.09: Wanting a More Expensive Property Than You Can Really Afford
2007.10.08: Problems with Exclusive Listings
2007.10.07: Getting Current Pages Based On Old URLs and Sharing Traffic and Trackbacks
2007.10.07: Issues with Family Transfers of Real Estate
2007.10.06: Translation: Salesgoodspeakian to English
2007.10.05: Fear and Greed, or How Did The Housing Bubble Get So Big?
2007.10.04: Investors Aren't The Only Ones Who Can Fix Ugly Properties
2007.10.03: The "We'll Keep You In Your Property" Scam
2007.10.02: Full Circle: Back to More Traditional Lending Standards
2007.10.01: The Seller Always Knows More About the Property Than the Buyer
2007.09.30: How Loan Providers Make Money
2007.09.29: Title Insurance, or Fifty Ways (not) to Lose Your Money
2007.09.28: Buyer's Markets
2007.09.27: Hot Bargain Property September 27th, 2007
2007.09.27: What Drives Loan Rates?
2007.09.26: Hot Bargain Property September 26th, 2007
2007.09.26: Trying to Rehabilitate the Negative Amortization Loan - NOT!
2007.09.25: Real Loans for Real People September 25, 2007
2007.09.25: Hot Bargain Property September 25th, 2007
2007.09.25: Mortgages and RAMs in Later Life
2007.09.24: Why the Real Estate Buyers Agent's Commission is Paid by the Seller
2007.09.23: Low Equity (or Worse!) Relocations in a Buyer's Market
2007.09.22: Losing Property Value with Highly Leveraged Properties
2007.09.21: Fixing A Bad Mortgage Sale
2007.09.20: Hot Bargain Property September 20th, 2007
2007.09.20: Featured on Channel 10!
2007.09.20: Racial Gap In Home Loans
2007.09.19: The Affordability of Property in San Diego September 2007
2007.09.18: Real Loans for Real People September 18, 2007
2007.09.18: Hot Bargain Property September 18th, 2007
2007.09.18: Will Agents List My Property if I Owe More Than It's Worth?
2007.09.17: Realtor and Loan Officer Responsibility: Can the Client Afford The Property?
2007.09.16: Should Lenders Be Permitted to Sell Real Estate?
2007.09.15: Seller Paid Closing Costs (or, When Your Prospective Buyer Has No Money)
2007.09.14: Loan Rate Sheets: An example, and the games lenders play
2007.09.13: Real Loans for Real People September 13th, 2007
2007.09.13: Time In Line of Work
2007.09.12: Related Party Transfers of Real Estate - Family, Corporate, or Partners
2007.09.11: Listing Agents Claiming There Are Multiple Offers in a Buyer's Market
2007.09.10: 100% Financing or Low Down Payment or Low Equity: PMI May Be The Only Option
2007.09.09: Refinancing Out of A Negative Amortization Loan Before The Penalty Expires
2007.09.07: Internal Links, etcetera
2007.09.05: Real Loans For Real People September 5, 2007
2007.09.04: Aggregators and Sidebars
2007.09.01: Domain Pointed to New Host
2007.08.24: "Banks Give Better Deals Than Brokers"
2007.08.23: Good Intentions and Over-Extended Homeowners
2007.08.22: Down Payment At Purchase or Wait Until Later?
2007.08.21: Real Loans for Real People August 21st, 2007
2007.08.21: There's Nothing Sacred About Range Pricing in Real Estate
2007.08.20: Games Lenders Play, Part II
2007.08.19: Games Lenders Play, Part I
2007.08.18: Mortgages: General Concerns and Manufactured Housing
2007.08.17: Lump Sum Payments on a Mortgage and Alternative Investments
2007.08.16: Service Interruptions
2007.08.16: "All Mortgage Money Comes From The Same Place"
2007.08.15: Real Loans for Real People August 15, 2007
2007.08.15: Debt Consolidation Refinance - Pros and Cons
2007.08.14: Relocation Loans and Developer Issues
2007.08.13: Listing Agents and Pre-Approvals or Pre-Qualifications
2007.08.12: Negative Amortization Loans - Don't Panic!
2007.08.11: Debunking the Idea of "Lenders Are All The Same"
2007.08.10: Buying Real Estate Below Market
2007.08.09: Developments in the A Paper Loan Market
2007.08.09: For Sale By Owner - Working Directly With a Loan Officer
2007.08.08: Real Loans for Real People August 8, 2007
2007.08.08: Form for Revision of Property Tax Assessments (San Diego County)
2007.08.08: San Diego Real Estate Market Prognosis August 2007
2007.08.07: Real Estate Loan Market August 2007: Subprime Meltdown Continues
2007.08.06: Competing Offers From The Same Agent
2007.08.05: Developers and Conditional Incentive Money to Use Their Lender
2007.08.03: Credit Lines: Number and Length of Time Open
2007.08.02: Real Loans for Real People August 2, 2007
2007.08.01: The Basics of 1031 Exchanges
2007.07.31: Disclosure Issues and Failure to Disclose
2007.07.30: Approaching the Loan Application Process - What Loan Will You Qualify For?
2007.07.29: Helping Yourself Qualify for a Home Loan
2007.07.28: Changing the Contract
2007.07.27: Deposits on Purchases of Real Estate
2007.07.26: How Can You Tell If A Buyer is Qualified?
2007.07.25: Loan Qualification Standards - "Loanbusters"
2007.07.24: Hot Bargain Property July 24, 2007
2007.07.24: Pre-Payment Penalties Expiring and Rate Locks
2007.07.23: Hot Bargain Property July 23, 2007
2007.07.23: Why You Want A Buyers Agent To Deal With Developers
2007.07.22: Financing Tricks and What You Can Afford
2007.07.21: Appraisers Speak Out Against "Make The Deal"
2007.07.20: Hot Bargain Property July 20th, 2007
2007.07.20: Using the Information Found Here
2007.07.19: Hot Bargain Property July 19, 2007
2007.07.19: Real Loans for Real People July 19, 2007
2007.07.19: Biweekly Mortgage Spam
2007.07.18: "My Payment Is Too High and I Can't Make It"
2007.07.17: You Must Be Willing To Act in Real Estate
2007.07.16: Whatever the New Trick in Loans is, It's an Attempt to Keep From Competing Based Upon Price
2007.07.15: Buyer's Appraisal versus Seller's Appraisal
2007.07.14: Housing Bubble
2007.07.13: Getting Rich Quick in Real Estate
2007.07.12: Recurring and Nonrecurring Closing Costs
2007.07.11: Larger Loan Amounts: Tighter Rules for Lending
2007.07.10: Special Programs Means Potential Special Problems
2007.07.09: Investment Risk and Paying off the Mortgage Early
2007.07.08: How Easy Scams Are
2007.07.07: Impound Accounts Facts and FAQs
2007.07.06: Mortgage Loan Rate Buydowns
2007.07.05: Just Because Compensation for a Loan Isn't Disclosed Doesn't Mean It's Free
2007.07.04: The Effects of Divorce on Real Estate
2007.07.03: Considering Condos, Townhomes, and PUDs
2007.07.02: Real Estate is More Local Than Most People Think
2007.07.01: Missing a Deadline to Counter
2007.06.30: Leverage - Making a Decent Investment Spectacular
2007.06.29: What is Real Estate Worth?
2007.06.28: Real Estate Loan Pre-Qualification
2007.06.27: There's No Real Way to Take The Complexity Out of Real Estate
2007.06.26: Real Loans for Real People June 26, 2007
2007.06.26: Why The Higher Rate Loan Is Often Better
2007.06.25: Money You Spend Before You Buy Real Estate
2007.06.24: Undisclosed Marriage or Domestic Partnership and Title
2007.06.23: The Escrow Process and Reasons for Falling Out
2007.06.22: Hot Bargain Property June 22, 2007
2007.06.22: What Does Escrow Do?
2007.06.21: The Division of Labor Between Buyers and Their Agents
2007.06.20: Hot Bargain Property June 20, 2007
2007.06.20: Real Loans for Real People June 20th, 2007
2007.06.20: Straw Buyers and Their Liabilities
2007.06.19: Signing Off Loan Conditions
2007.06.18: Lowballing versus "Junk Fees"
2007.06.17: Dual Agency and Sellers Wanting to Keep a Buyer's Deposit
2007.06.16: Second Trust Deeds and Loan Subordination
2007.06.15: Hot Bargain Property June 15, 2007
2007.06.15: The Three Day Right of Rescission
2007.06.14: Don't Roll Mortgage Refinance Costs Into Your Balance If You Wouldn't Pay Them Cash
2007.06.13: Builder Upgrades
2007.06.12: Hot Bargain Property June 12, 2006
2007.06.12: Market Resilience
2007.06.11: Real Loans for Real People June 11, 2007
2007.06.11: Client Project - El Cajon Condo Renovation
2007.06.11: Mortgage Loan Rate Locks
2007.06.10: State of The San Diego Market June 2007
2007.06.09: Real Estate Purchase Negotiability
2007.06.08: Making Prepayment Penalties Illegal
2007.06.07: The Best Way To Create Problems In Real Estate
2007.06.06: Joint Loans
2007.06.05: Refinancing with Less Income
2007.06.04: Weighted Average Cost Of Capital
2007.06.03: Don't Allow Yourself To Become A Victim of Bad Real Estate Practice
2007.06.02: Reserves
2007.06.01: Refinancing When You're Upside Down on the Mortgage
2007.05.31: Rebates: Be Careful Not to Commit Fraud
2007.05.30: Real Loans for Real People May 30, 2007
2007.05.30: Deciding You Don't Want A Particular Mortgage Loan
2007.05.29: Do I Need A Deposit With 100% Financing Offers?
2007.05.28: The Appraisal and Appraisers
2007.05.27: Buy Now vs. Wait: Some Practical Hypotheticals
2007.05.26: What Are Points and How Do They Work?
2007.05.25: The Tradeoff between Rate and Cost in Real Estate Loans
2007.05.24: Real Estate Numbers: Calculators and Spreadsheets Are Your Friend But They Have Limits
2007.05.23: Hot Bargain Property May 23, 2007
2007.05.23: Real Loans for Real People May 23, 2007
2007.05.23: There's No Such Thing as Full Service Agency for a Discount Price
2007.05.22: Things to Consider If You Can't Afford Your Payment
2007.05.21: FSBO Horror and Failure to Disclose Property Defects
2007.05.20: Being Realistic Saves Money on your Mortgage
2007.05.19: Prorated Property Taxes in California
2007.05.18: Practical Examples - Refinance or Prepayment Penalty?
2007.05.17: Looking Beyond The Bubble: What's Next For Highly Appreciated Markets
2007.05.16: Hot Bargain Property May 16, 2007
2007.05.16: Short Payoffs
2007.05.15: Real Loans For Real People May 15, 2007
2007.05.15: Negative Amortization Loans - More Unfortunate Details
2007.05.13: Timeshares, Pro and Con (mostly Con)
2007.05.13: What Happens When You Can't Make Your Real Estate Loan Payment
2007.05.12: Removing Private Mortgage Insurance (PMI)
2007.05.11: Getting Out of Paying Pre-Payment Penalties
2007.05.10: Loan Qualification Standards - Loan to Value Ratio
2007.05.09: The Biggest Hurdle in Mortgage Loan Qualification: Existing Debt
2007.05.08: Real Loans for Real People May 8, 2007
2007.05.08: Reading Property Advertisements: Many Grains of Salt
2007.05.07: Gravity Is Not a Major Determinant Of Housing Prices
2007.05.06: Mortgage Loan Advertisements: Horrible and Getting Worse
2007.05.05: One Loan Versus Two Loans
2007.05.04: Loan Qualification Standards - Debt to Income Ratio
2007.05.03: Buying Off A Prepayment Penalty
2007.05.02: Real Loans for Real People May 2, 2007
2007.05.02: Pre-Payment Penalties If Your Loan Is Sold To Another Lender
2007.05.01: Hourly Pay Instead of Commission For Agents
2007.04.30: Hot Bargain Property April 30, 2007
2007.04.30: Property Cash Flow Versus Balance Sheet Accounting
2007.04.29: Loan Pre-Approval Means Nothing
2007.04.28: The Pin That Pops the Housing Bubble?
2007.04.27: Did That Slap On The Back Leave a Knife?
2007.04.26: Hot Bargain Property April 26th 2007
2007.04.26: Real Estate Sellers Giving A Buyer Cash Back
2007.04.25: Hot Bargain Property April 25th, 2007
2007.04.25: Mortgage and Real Estate Red Flags
2007.04.24: Real Loans For Real People April 24, 2007
2007.04.24: State Of The San Diego Market April 2007
2007.04.23: Some Risks of Lender Owned Properties (REO)
2007.04.22: Buying Real Estate Without A Source of Income Or When You Are Changing Careers
2007.04.21: What Type of Real Estate Listing Agent to Choose
2007.04.20: Misplaced Improvements in Real Estate
2007.04.19: Hot Bargain Property April 19, 2007
2007.04.19: Prepayment Penalty Now or Wait to Refinance Until It Expires?
2007.04.18: Production Metrics versus Consumer Metrics
2007.04.17: Hot Bargain Property April 17th, 2007
2007.04.17: Real Loans for Real People April 17th 2007
2007.04.17: Questions You Should Ask Every Prospective Loan Provider
2007.04.16: Understanding Loans: When There Is A Problem, It's Good If They Tell You Right Away
2007.04.15: What to Beware in Third Party Services
2007.04.14: The Best Idea About Applying for a Mortgage
2007.04.13: Virtues of the US Real Estate Loan Market
2007.04.12: Mortgage Closing Costs: What is Real and What is Junk?
2007.04.11: Real Loans for Real People April 11, 2007
2007.04.11: Exclusive versus Non-Exclusive Buyer's Agent Agreement
2007.04.10: Housing Bubble Death Trap
2007.04.09: Prepayment Penalties and Biweekly Payment Schemes
2007.04.08: Levels of Mortgage Documentation, or, Why You Should Demand to Do More Paperwork
2007.04.07: What to look for at Loan Closing
2007.04.06: Mortgage Markets and Providers and Yield Spread Explained
2007.04.05: Refinancing Has No Effect Upon Property Taxes
2007.04.04: Credit Reports: What They Are and How They Work
2007.04.03: For Sale By Owner
2007.04.02: Reprints For A Little While
2007.04.02: Why You Should Ignore APR
2007.04.01: Buyer's Agents: What Do They Do?
2007.03.31: Mortgage Rate, Points, and Closing Costs
2007.03.30: ALWAYS Be Ready to Show (or At Least Willing)!
2007.03.29: Why Refinances Tend To Have Lower Payments
2007.03.28: Hot Bargain Condo March 28th, 2007
2007.03.28: Real Loans For Real People March 28th, 2007
2007.03.28: Fixed rate, Balloon, ARM and Hybrid Loans
2007.03.27: Option ARM and Pick a Pay - Negative Amortization Loans
2007.03.26: How to Effectively Shop For A Listing Agent (Part II)
2007.03.25: How to Effectively Shop For A Listing Agent (Part I)
2007.03.24: The HUD-1 Form
2007.03.23: Truth In Lending and APR
2007.03.22: The California Mortgage Loan Disclosure Statement (MLDS) Part II
2007.03.21: Low Balling - Expect a Rejection
2007.03.20: How to Build Credit So You Qualify for a Home Loan
2007.03.19: Hot Bargain Property March 19, 2007!
2007.03.19: How Can A Temporary Buydown Help Realtors and Agents?
2007.03.18: How To Effectively Shop for A Real Estate Loan
2007.03.17: The California Mortgage Loan Disclosure Statement (MLDS) Part I
2007.03.16: Should I Buy A Home? Part 3: Consequences
2007.03.15: Some Perspective on the Sub-Prime Lending Meltdown
2007.03.15: Should You Pay Off Your Mortgage Faster?
2007.03.14: Should I Buy A Home? Part 2: Process
2007.03.13: Seller Carryback Financing Issues
2007.03.12: Real Loans for Real People March 12, 2007
2007.03.12: How Are You Going To Compare Loans Without Specific Numbers?
2007.03.11: How to Effectively Shop for a Buyer's Agent
2007.03.10: Should I Buy A Home? Part 1: Preparation
2007.03.09: "You've Got Something I'm Interested In, But I Don't Want to Pay You"
2007.03.08: What Lenders Talk About Isn't Important, It's What They Deliver
2007.03.07: Listing Agreements: Exclusive Right to Sell Versus Exclusive Agency
2007.03.06: An Owner Occupied Loan Does Not Mean You Have to Refinance If You Move Out
2007.03.05: Hot Bargain Property March 5, 2007
2007.03.05: Real Loans for Real People March 5, 2007
2007.03.05: It Not Only Rolls Down Hill, It's Starting to Cascade
2007.03.04: The Backlog is Gone
2007.03.04: Magical Thinking About Mortgage Loans
2007.03.03: Professional Referrals in Real Estate and Loans
2007.03.02: Negotiations After the Contract: Seller's Allowances and Fixing Problems
2007.03.01: Refinancing When The Rates Are Higher
2007.02.28: When to Get A Buyer's Agent and Start Looking
2007.02.27: Rental History, Payment Shock, and Mortgage Applications
2007.02.26: Hot Bargain Property February 26th, 2007
2007.02.26: Real Loans for Real People February 26th, 2007
2007.02.26: Changing Lenders After the Loan is Approved
2007.02.25: Real Estate: General Education versus Specific Expertise
2007.02.24: Games Lenders Play, Part VII - Selling Mortgage Accelerator Programs
2007.02.23: Negative Amortization: Never the Best Option, but Sometimes the Least Bad
2007.02.20: Real Loans for Real People February 20, 2007
2007.02.12: Real Loans for Real People February 12, 2007
2007.02.05: Real Loans for Real People February 5, 2007
2007.01.29: Real Loans for Real People January 29th, 2007
2007.01.26: Hot Bargain Property! January 26th, 2007
2007.01.22: Real Loans for Real People January 22nd, 2007
2007.01.19: Changes in Lender Attitudes: The Push Towards Bigger Loans
2007.01.16: Hot Bargain Property! January 16th, 2007
2007.01.16: Real Loans for Real People January 16th, 2007
2007.01.10: First Time Buyer Seminar Tomorrow Night
2007.01.09: Real Loans For Real People January 9, 2007
2007.01.06: House Thing
2007.01.03: Real Loans for Real People January 3, 2007
2007.01.02: Why RIGHT NOW Is the Best Time For Buyers
2006.12.27: Real Loans For Real People December 27th, 2006
2006.12.25: Christmas Week Off!
2006.12.20: Seminar: First Time Home Buyer Programs!
2006.12.18: Fewer Hot Bargain Property Posts
2006.12.18: Real Loans for Real People December 18, 2006
2006.12.16: 100% Financing: Buying A Home With Zero Down Payment
2006.12.14: Hot Bargain Property December 14, 2006
2006.12.13: Hot Bargain Property December 13, 2006
2006.12.12: Hot Bargain Property December 12, 2006
2006.12.11: Hot Bargain Property December 11, 2006
2006.12.11: Real Loans for Real People December 11, 2006
2006.12.08: What I Need December 8, 2006: A Buildable Lot
2006.12.07: Hot Bargain Property December 7, 2006
2006.12.06: Hot Bargain Property December 6, 2006
2006.12.05: Hot Bargain Property December 5, 2006
2006.12.04: Hot Bargain Property December 4, 2006
2006.12.04: Real Loans for Real People December 4, 2006
2006.11.30: Hot Bargain Property November 30th, 2006
2006.11.29: Hot Bargain Property November 29th, 2006
2006.11.29: Solicitation for Fraud and Conspiracy, or Entrapment?
2006.11.28: Hot Bargain Property November 28th, 2006
2006.11.28: Real Loans for Real People November 28th, 2006
2006.11.20: Light Posting Week
2006.11.20: Real Loans for Real People November 20, 2006
2006.11.17: Hot Bargain Property November 17 2006
2006.11.17: Featured in the San Diego Reader!
2006.11.16: Hot Bargain Condo November 16th, 2006
2006.11.15: Hot Bargain Property November 15, 2006
2006.11.13: Hot Bargain Property November 13, 2006
2006.11.13: Real Loans for Real People November 13, 2006
2006.11.11: Project VALOUR IT
2006.11.10: Hot Bargain Property November 10, 2006
2006.11.09: Hot Bargain Property November 9, 2006
2006.11.08: Hot Bargain Property November 8th, 2006
2006.11.07: Hot Bargain Property November 7, 2006
2006.11.06: Hot Bargain Property November 6, 2006
2006.11.06: Real Loans for Real People November 6th at 3:00
2006.11.02: Hot Bargain Condo November 2nd
2006.10.30: Real Loans for Real People: October 30th at 1:30
2006.10.23: Real Loans: October 23rd at 1:45 PM
2006.10.20: Hot Bargain Property October 20th, 2006 (Second Today)
2006.10.20: Hot Bargain Property! October 20, 2006
2006.10.18: Hot Bargain Property October 18, 2006 (Second Today!)
2006.10.18: Hot Bargain Property October 18, 2006
2006.10.16: Hot Bargain Property October 16th, 2006 (Second Today!)
2006.10.16: Hot Bargain Property October 16, 2006
2006.10.16: Real Loans: October 16th at 11:30
2006.10.14: A Life Lesson, and a Professional One
2006.10.13: Hot Bargain Property October 13th (#2)
2006.10.13: Hot Bargain Property October 13th
2006.10.11: Real Loans: October 11 at 2:30
2006.10.10: Hot Bargain Property October 10, 2006 (#2)
2006.10.10: Hot Bargain Property October 10, 2006
2006.10.02: Hot Bargain Property October 2, 2006
2006.10.02: Real Loans: October 2 at 11:30
2006.09.29: Hot Bargain Property September 29th, 2006
2006.09.28: Hot Bargain Property September 28th 2006
2006.09.27: Hot Bargain Property September 27th 2006
2006.09.26: Hot Bargain Property September 26, 2006
2006.09.25: Hot Bargain Property September 25, 2006 (#2)
2006.09.25: Hot Bargain Property September 25, 2006
2006.09.25: Real Loans: September 25 at 2 PM
2006.09.22: Buyer's Strategy for the San Diego Housing Market
2006.09.22: Hot Bargain Property September 22, 2006
2006.09.21: Hot Bargain Property September 21, 2006 (#2)
2006.09.21: Hot Bargain Property September 21, 2006
2006.09.20: Hot Bargain Property September 20, 2006
2006.09.18: Hot Bargain Properties September 18, 2006
2006.09.18: Real Loans As Of September 18 at 12:30
2006.09.15: Hot Bargain Property September 15, 2006
2006.09.14: Hot Bargain Property September 14, 2006
2006.09.13: Hot Bargain Property September 13, 2006 (Second today!)
2006.09.13: Hot Bargain Property September 13, 2006
2006.09.13: Real Loans As Of 11:15 AM September 13, 2006
2006.09.07: Why There Have Been No Hot Bargain Properties Posts Recently
2006.09.05: Real Loans As Of 1:45 September 5th, 2006
2006.08.29: Hot Bargain Condo August 29th, 2006
2006.08.28: Hot Bargain Property August 28, 2006
2006.08.28: Real Loans As Of 2:30 August 28th
2006.08.26: Hot Bargain Property August 25, 2006
2006.08.24: Hot Bargain Property Aug 24th, 2006 (second today)
2006.08.24: Hot Bargain Property August 24th, 2006
2006.08.23: Hot Bargain Property August 23rd, 2006 (second today!)
2006.08.23: Real Loans As of 12:30 August 23rd
2006.08.23: Hot Bargain Property Aug 23rd, 2006
2006.08.21: Hot Bargain Property August 21st, 2006
2006.08.21: Real Loans as of 12:30 August 21st, 2006
2006.08.18: Hot Bargain Property August 18th, 2006
2006.08.17: Hot Bargain Property August 17th, 2006
2006.08.16: Hot Bargain Property August 16th, 2006
2006.08.14: Hot Bargain Property August 14th 2006
2006.08.14: Real Loans As Of August 14th at 12:00 Noon
2006.08.13: Hot Bargain Property August 13, 2006
2006.08.12: Hot Bargain Property August 12, 2006
2006.08.11: Hot Bargain Property August 11, 2005
2006.08.10: Hot Bargain Property August 10, 2006
2006.08.09: Hot Bargain Property August 9, 2006
2006.08.08: Hot Bargain Property August 8, 2006
2006.08.07: Hot Bargain Property August 7, 2006
2006.08.07: Real Loans As Of August 7th 2006 at 12:45 PM
2006.08.04: Hot Bargain Property August 4, 2006 (Second today!)
2006.08.04: Hot Bargain Property August 4, 2006
2006.08.03: Unbelievable Turkey!
2006.08.03: Hot Bargain Property August 3, 2006
2006.08.02: Hot Bargain Property August 2, 2006 (Second Today!)
2006.08.02: Hot Bargain Property August 2, 2006
2006.08.02: Cold Hard Numbers
2006.07.31: Hot Bargain Property July 31st
2006.07.31: Real Loans As Of July 31st at 2:00 PM
2006.07.27: Hot Bargain Property July 27th, 2006
2006.07.26: Hot Bargain Property July 26th, 2006
2006.07.24: Hot Bargain Condo July 24th, 2006
2006.07.24: Real Loans as of July 24th, 2006 at 12:30 PM
2006.07.21: What I Do
2006.07.21: Hot Bargain Condo July 21st, 2006
2006.07.20: Real Loans As Of 4:40 July 20th
2006.07.19: Hot Bargain Property July 19th, 2006
2006.07.17: Hot Bargain Property July 17th, 2006
2006.07.17: Real Loans As Of 12:30 PM July 17th, 2006
2006.07.13: Potential Bargain Home July 13th 2006
2006.07.12: Real Loans As Of 3:30 July 12th
2006.07.12: Potential Bargain Home July 12, 2006
2006.07.10: Potential Bargain Home July 10th, 2006
2006.07.10: Real Loans As Of 11:40 AM July 10th 2006
2006.07.08: Potential Bargain Property July 8th 2006
2006.07.06: Potential Bargain Property July 6th, 2006
2006.07.03: Potential Bargain Property July 3rd, 2006
2006.07.03: Real Loans As Of 4:00 PM July 3rd 2006
2006.07.01: New Features - San Diego Loans and Listings
2006.05.29: The California Mortgage Loan Disclosure Statement (MLDS) Part II
2006.05.28: The California Mortgage Loan Disclosure Statement (MLDS) Part I
2006.05.24: Clients Who Can Still Make Money in San Diego Real Estate
2006.05.23: Do You Have a Bad Loan?
2006.05.22: Southern California Real Estate and Loan Market Outlook
2006.05.21: My Promise To All My Clients
2006.05.21: Hello and Welcome!

Monthly Archives

Category Monthly Archives

Author Monthly Archives

Buy My Science Fiction Novels!
Dan Melson Amazon Author Page
Dan Melson Author Page Books2Read

Links to free samples here

The Man From Empire

Man From Empire Books2Read link

A Guardian From Earth

Guardian From Earth Books2Read link

Empire and Earth

Empire and Earth Books2Read link

Working The Trenches

Working the Trenches Books2Read link

Rediscovery 4 novel set

Rediscovery 4 novel set Books2Read link

Preparing The Ground

Preparing the Ground Books2Read link

Building the People

Building the People Books2Read link

Setting The Board

Setting The Board Books2Read link

Moving The Pieces

Moving The Pieces Books2Read link

The Invention of Motherhood

Invention of Motherhood Books2Read link

The Price of Power

Price of Power Books2Read link

The End Of Childhood

The End of Childhood Books2Read link

Measure Of Adulthood

Measure Of Adulthood Books2Read link
The Fountains of Aescalon

The Fountains of Aescalon Books2Read link

The Monad Trap

The Monad Trap Books2Read link

The Gates To Faerie

The Gates To Faerie Books2Read link

Gifts Of The Mother

Gifts Of The Mother Books2Read link

The Book on Mortgages Everyone Should Have!
What Consumers Need To Know About Mortgages

What Consumers Need To Know About Mortgages Cover

What Consumers Need to Know About Mortgages Books2Read

The Book on Buying Real Estate Everyone Should Have
What Consumers Need To Know About Buying Real Estate

What Consumers Need To Know About Buying Real Estate Cover

What Consumers Need to Know About Buying Real Estate Books2Read

↑ Grab this Headline Animator

******

Archives

Monthly Archives

Categories

Category Monthly Archives

Author Monthly Archives

About Archives

Search