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I'm in the biz, slinging loans since 1987. Direct lender. Here's what I tell people: 1) Avoid Bankrate, etc. Their data and control over content is hopeless. 2) Avoid On-Line lenders. The service levels are terrible. 3) Avoid family member referrals. If Uncle Joe tells you to use...

Fullerton / Brea / Diamond Bar / Walnut / San Dimas. corridor You're close to the trains and pretty much every single freeway so your commute options are endless. La Habra and Whittier are too far inland and schools are not so hot. Can't beat the steady values relative to other communities...

Refi for 30. Put a 13th payment in per year which cuts about 8 years off the loan. You can always throttle back some if the economy or your renters don't work out as anticipated. I also concur with IP above. If you have a 401k with a match from your employer, take your rate differential and...

No can do civillian. I'm in the biz and it'd be a death warrant. Not sure who is the shark and who is the remora in the Realtard/Lender relationship but someones going to become a bloody mess if one begins to fight the system openly. Those kinds of email blasts are sure to come back...

From a blast email I got from an Agent today: "A Taste of California Good Morning! For the time since November 2007, the median price of all homes, townhomes and condos sold in Orange County Rose from month to month. Median for January 2009 was $370,000. Median for February...

High cost area conforming loans (HCACJ $417k to $729k) have unique pricing hits. In general, if you are below 75% loan to value and getting a no-cash out refi, your HCAJC loan rates should be equal to standard conforming rates. Anything above 75% or with cash out and it's about 1/2 percent in...

Let's see..... Brighter lights are known, Not many "watts" with G.W. Kool-Aid swilling tool.

<span style="font-size: 11px;"></span><span style="color: green;"></span> Here's the issue I have with GW. Why is GW even considered a source? If you read any of his papers on the market he gets some things right, but most things terribly wrong. Most Agents would forward his white...

<span style="font-size: 11px;"></span><span style="color: green;"></span> Most lenders today can offer 4.25% for about 1.0 point. You've got to lock in for 60 days however since it's going to take that long. Also, don't wait for lower rates. I'm not saying this because I'm in the Biz. (yes...