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First Time buyer tips


Big lenders and the Rate Quote Game
The bigger the lender, the more you pay! -- Big offices, marketing costs and executive pay add up--- and the only way for them to be profitable is to pass those costs on to their borrowers!


The ugly truth about buyer down payment assistance programs
The ugly truth about home buyer down payment assistance programs


4Cs of home loan underwriting
Got turned down for a mortgage to buy a new home or refinance your current home? You’re not alone.
the first step is to figure out why


Rate secrets you need to know
Rate secrets you need to know


USDA loan program
The USDA zero down rural housing loan is a fantastic low cost loan option that is a great alternative to most high hassle, DPA loan programs--as long as the buyer(s) income meets guidelines.


Bad pre-approval letters
Common problems with Mortgage Preapproval Letters-- Prequalification pretending to be a preapproval -- and why that matters


Property condition guide & what inspections do lenders require?
Property condition is extremely confusing to real estate agents and their buyers, with lenders interpretations varying


The truth about online rate quotes
Shopping for a home loan, it’s easy to feel overwhelmed. Ads are everywhere -so how do you cut to the chase and find the best rate for you?
Consummate Pro and an Authority in the Mortgage Business!
Jade R. from Groveland, CA
I just closed on a second home in a highly controlled mountain community with wildfire risk. Dennis came highly recommended by my realtor, and soon after my initial communication, I quickly knew why. Dennis was not only very knowledgeable, but he is very responsive and patient. I had many questions, since this is my first vacation home purchase in California. Not only was he very prompt with his responses, but the whole transaction was relatively painless. Will I use him again? YES. Will I recommend him to my friends and family? Definitely!
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