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
Is a real estate commission just a slush fund to benefit clients? Some people think so. There it sits, a whole lot of money, and everyone pretty much knows how much. They know how badly you want to get the deal closed. They know this money only comes to you once the deal is closed. Can they resi...
06/20/2009
This was easy to predict: There is already an effort in Congress to extend the $8000 tax credit for first time buyers (which expires Nov. 30, 2009) to buyers of ALL houses in 2010.  There will be some form of rebate in the year 2010 because the real estate industry will continue to languish, and ...
06/17/2009
They say you can't be too rich and you can't be too thin. But can an appraisal be too high? I am fighting my first HVCC appraisal issue, so please don't laugh when I tell you my problem: The appraisal is TOO HIGH. The appraisal came in $65,000 OVER the contract price. With every single mortgage p...
06/10/2009
Test question: What do the following 3 situations have in common? Your answer can only be one word. An increasing number of frustrated Realtors posting on ActiveRain about late closings and bashing complaining about mortgage people Frustrated customers at dealerships who cannot get the cars/truck...
06/05/2009
I married into a family with 3 proud generations of General Motors execs. Yep, GM was the "family business", and everyone was obsessed by cars. I didn't think I was, but still.... Was I first attracted to the man I would eventually marry because of all his wonderful qualities? Or the little red ...
06/04/2009
I have a favorite number these days. It is "4". When your car gets 40 miles per gallon and the rate on your mortgage starts with a "4", what does that make you? Clean? Green? Lean? Serene? All of the above? I know what it makes me. Someone people want to talk to. I am a mortgage broker who also o...
05/20/2009
It wasn't THAT long ago that we Baby Boomers worried a lot about our kids. You know, those irrepressible Generation Y kids who were on the Internet at age 4 and who grew up clicking (my son says I grew up turning dials and that is why his generation is superior different). Sitting on our own fat ...
04/27/2009
 "We need to make sure the buyer is qualified before we take the house off the market". Do you think that is real reason banks insist they need to approve your buyer ALL OVER AGAIN? That would be like the Somalian pirates telling the ship captain they are coming aboard his ship to "inspect his ca...
04/21/2009
I was a brand new real estate agent, and must have looked pretty ridiculous in my miniskirt, long blond ponytail, driving an over-sized and totally inappropriate white Chevrolet Impala (which was dubbed the "tuna boat" by my husband). But hey, it was the seventies, the real estate market was rott...
04/09/2009
Do you think it would be easier to sell a Toyota by offering your client a chicken salad sandwich? Or by having 3 payment examples already on paper....and a finance person ready to help them? Recently, I walked into a 1.4 million dollar home being held open by some local Realtors. But there was s...
04/01/2009
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JanetGuilbault

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