Archives

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
2006.05.31: Contact Information!
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!

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