Bay Area Mortgage Blog

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Mortgage and Lending - Platinum Home Mortgage Company - NMLS #238304
Small, easy to read mortgage tidbits from a California lender take you from application to approval in 300 words or less.
RECENT BLOG POSTS
This is the story of Bethany and Rob, empty nester babyboomers who thought they were doing the loving thing by agreeing to care for an elderly parent. They ending up being being slapped in the face by a harsh lending world that has no sympathy for "family arrangements". Bethany and Rob owned a se...
01/02/2009
Every year at Christmas, the black velvet New Year's box makes its annual appearance. You would think it would simply blend or get lost among the other boxes under the tree, but oh no. It never does. Everyone who sees it senses right away there is something mystical about it and asks, "What's THA...
12/31/2008
Okay, this is MY official ActiveRain success story of 2008. This year, I closed an amazing amount of loans the rest of the world considered IMPOSSIBLE. Wait. Almost every loan was considered impossible to close in 2008. But I scaled mountains. I crossed wide rivers. I sat at the closing table wea...
12/30/2008
Sometimes in the real estate business, you don't work for money. Sometimes you know there is no  justification to keep going with a client. And for reasons that no one understands but you, you decide to help the one that appears to be hopeless. You think that maybe this is the way a doctor must f...
12/30/2008
We work so hard to GET clients that often the most difficult thing you can do is fire a client. Why should we EVER fire a client? Here are my 3 top reasons that are non-negotiable: Verbal abuse. They believe it is okay to yell, scream, and threaten. It is not. Disloyalty and dishonesty. They are ...
12/29/2008
The retirement account statement sits on the counter, unopened. You're too afraid to look. The house across the street goes up for sale with a "lender owned" sign dangling below. You look away. You'd rather NOT know the price. And when you try to trade in your wheels for something newer and more ...
12/20/2008
    These sad and shocking statistics came out today about Bay Area home prices, further tarnishing what was once some of the most coveted (and most expensive) real estate in the country: The median price for a home in the Bay Area has plunged an astounding 44.4% from November 2007 to November 20...
12/19/2008
If you are feeling a little shameful about how you spent your money in the past, you are not alone. Welcome to the new era of "Luxury Shame". Bye-bye, bling-bling. Each year at this time I am reminded of the following sales pitch I used as the former owner of an auto leasing company: "Gee, don't ...
12/17/2008
If every single person facing a loan adjustment had educated guidance, and a solid course of action for their pending loan adjustment, I believe it would THAW out much of the PANIC causing our current economic freeze. Ever hear of the "fear of the the unknown?" It is alive and well in the heads ...
11/25/2008
Please study the headline of this post carefully. Since "WE" are funding a bailout of toxic mortgages, "WE" (taxpayers) should be very careful in demanding a solution that wipes out debt (forgives principal) instead of restructuring the loan (lengthening loan, reducing the rate, etc). I agree wit...
11/24/2008
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Janet Guilbault

San Francisco Bay Area Direct Mortgage Lender
local_phone(925) 212-6347
smartphone(925) 212-6347
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