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Mortgage and Lending - E Mortgage Capital, Inc. NMLS 1416824 - CA NMLS #281609
RECENT BLOG POSTS
   December Blogging Challenge, Day 12, Target Marketing In this business, nothing is forever.  If you don't like what's happening in the market today, just wait awhile and it will change, but not necessarily for the better.  We all have to adapt to those changes quickly or risk getting left behi...
12/13/2011
Active Rain Blogging Challenge for Day 11 I took part of the day to think about my new Realtor Presentation.  I've been working on this for several weeks and I'm about ready to start using this information when I meet with new Realtors for the first time. I've been in this business for over 30 y...
12/11/2011
Since I read this post, I have shared this information with several of my Realtors and Associates.  It proved to be such great information that I decided to re-blog DeeDee's post.  One extra thing that we discovered....This is not just for the iPad and iPhone.  THIS WORKS GREAT ON THE DROID TOO! ...
10/14/2011
 Keeping Track of Passwords Is Driving Me Crazy!  I just received the kind of message that will send a chill up your spine and put fear in your heart.    “YOUR PASSWORD WILL EXPIRE IN 4 DAYS”.  Don’t we all have enough information to remember and update every day?  Many of the sites we visit have...
09/18/2011
 GOOD NEWS FOR VETERANS.  VA LOAN COSTS ARE DROPPING SOON!  The Veterans Administration has just announced that the VA Funding Fee required for VA Home Loans, will soon be reduced for most VA home purchase loans.  Effective October 1, 2011, the one-time cost will be reduced by approximately 35%. ...
09/12/2011
BANK OF AMERICA ANNOUNCES EXIT FROM CORRESPONDENT MORTGAGE BUSINESS! Bank of America is attempting to sell its correspondent lending division as it looks to divest itself of additional parts of its home loan divisions.  Plagued by upwards of $1 Trillion of problem home mortgages, Bank of America,...
08/31/2011
October 1, 2011 means more changes in the mortgage industry.  Conventional and FHA High balance loan limits are going to drop, resulting in more expensive Jumbo loan pricing for many buyers.  The popular USDA loans will be adding monthly mortgage insurance to the monthly payments so qualifying wi...
08/24/2011
  California State Teachers Retirement System (CalSTRS) Home Loan Program is Retiring the CalSTRS 80/17 Program.     The California State Teachers Retirement System (CalSTRS) will discontinue the popular CalSTRS 80/17 Home Loan Program on October 1, 2011         This unique CalSTRS program consis...
08/24/2011
HEAVEN IS A LITTLE SAFER....THE ANGELS HAVE A NEW WATCHDOG Many of you have commented on the little Yorkie that has been taking the place of my profile photo for the past few weeks.  Some of you said he was beautiful while others wondered why I was using his photo in my blog posts and comments.  ...
07/10/2011
Rainer
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Doug Bullwinkel

Mortgage Loan Officer NMLS #281609
local_phone(916) 295-0044
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