I’m honored to be considered a 5-star mortgage lender!

I’ve been a mortgage lender for quite some time now, providing home loans for people who want to fulfill their dream of homeownership (or moving up to their dream home!) as well as helping current homeowners refinance so they can save a whole lot of money. I love what I do and appreciate every “thank […]

What NOT to do before you apply for a home loan.

When applying for a home loan, there are several major factors that the bank or lender’s underwriters will look at. Their stamp of approval can make the difference between closing your loan with a great low interest rate on the house you love, or delays, roadblocks, obstacles, and possibly even blowing up the whole real […]

Examining the high cost of housing in California (and why we’re lucky to live in Sacramento)

An interesting report came across my desk (actually, my computer’s desktop!) the other day, and I thought the information warranted sharing. The report, California’s High Housing Costs; Causes and Consequences” was produced by LAO, the Legislative Analyst Office in our Golden State. I’ll interpret and summarize their key findings as they pertain to residential real […]

Understanding the 4 cycles of any housing market.

When it comes to the housing market, plenty of people speculate what might happen next, treating it as some unknown and mysterious entity that’s hard to pin down. But, in fact, every single real estate or housing market has four distinct cycles. And just like the four seasons of winter, spring, summer, and fall, they […]

Keeping Realtors out of hot water: A closer look at RESPA

If you’re in the real estate business, whether a licensed salesperson, a broker, or working in the fields of title, escrow, or appraisal, you’re already aware that there are some very specific rules that need to be followed. In fact, RESPA – the Real Estate Settlement Procedures Act – prohibits a real estate salesperson, agent, […]

Realtors – Here are 25 reasons why professional photographs will help sell your listings (and boost your commissions!)

These days, 95% of home buyers start the process by going online and searching through website listings. Of course, photos of the house are the first thing that jumps out at them, so the importance of having photographs taken by a professional cannot be understated. In fact, in a recent survey, 73% of real estate […]

7 Good reasons to tap into your home equity.

If you’re a homeowner, you’re probably familiar with the term “HELOC” or, Home Equity Line of Credit. A HELOC is simply a second loan – most often taken out after the purchase – that sets up a credit line against the value in the home. Of course, you need equity in your property to be […]

Why real estate agents need a professional profile on the world’s fastest-growing social media platform.

Why real estate agents need a professional profile on the world’s fastest-growing social media platform. Facebook may be still be the world’s most popular social media platform, but Instagram isn’t far behind—and in line to be called the best social media platform very soon. It’s also a terrific resource for Realtors and real estate professionals […]

How much do real estate agents really make in California? Let’s find out!

How much do real estate agents make in California, or elsewhere? If you’re a homeowner who just sold a home, you may be trying to calculate the answer to that exact question. Or, maybe you’re a new Realtor just getting in the business and trying to pen out what to expect your first year. Either […]

Cha-ching! Ringing up 20 facts about our U.S. currency.

Cha-ching! Ringing up 20 facts about our U.S. currency. Whether you want to refinance and save money on your mortgage, get a great new home loan with a lower interest rate, or buy your first house so you can stop paying rent, it all comes down to one common element: money. In fact, so much […]