Mortgage Updates

OK, OK... Does this caption sound to "heady"? Am I trying to "sell" you?  No, I would never try to sell you...  Selling you is not my line of business, nor is it how I do business.  You see, over 93% of my clients are referred to me - as you may have been referred to my web site.  (Most folks, don't just "stumble" upon my site. - If you did, welcome!) 

 I will give you the same advice that I give  my family, friends and neighbors:

                                Now is the time to buy.

Let's just start with the choices available.  If you are a first time buyer, homes have just gotten affordable.  You can now actually buy a very nice home, in a lovely neighborhood for much less than you would have done last year.  Not only can you buy a lovely home for a lower more affordable price, but the seller is inclined to help you pay the closing costs. Wow, isn't that great! You can keep money in your pocket... to spend on the new sofa or lawn mower!  (If you are a 1st time home buyer, (or know someone who is) be sure to e mail me some information. I will let you know about  the FREE money that may be available to you!)

Interest rates are attractive, with several options to consider.  So now is the time to invest in an investment property.  Perhaps you are interested in a Bank Owned property or a "short sale".  Prices are rock bottom.  You can get in on the ground floor.  Some of these opportunities won't last. If the property is "beat up" perhaps a purchase "re-hab" loan will provide financial flexibility and attractively package your purchase, keeping money in your pocket and providing maximum leverage.

Let's not forget second or vacation homes.  Here in the greater Sacramento area we are just a hop skip and jump from some of the best skiing in the world.  Perhaps, the investment property you have in mind is a place where family memories will be made for the next 7 - 10 years.  Fishing, hiking, skiing, kids, grandkids long week ends ... and a great TAX WRITE OFF.  If your combined household income is over $100,000, talk to your tax advisor to see how affordable a second home can be after factoring in your tax savings.  Will it cost you, of course.  The bite won't be as bad as you think.  You will be surprised at how Uncle Sam can make family vacation dreams come true.

Yes, there is a "credit crunch".  Yes, some folks are in a bad place.  Yes, it is true that "liar loans" are gone.  But, that doesn't matter to you or to me.  There is good financing, with great rates available today.  I never did "liar" loans since my referred customers were good hard working honest folks, like you. 

 I truly appreciate the referrals of my friends and family.  Having a friend in the real estate industry, can make a difference.  If that friend is me, well that makes all the difference!  Thank you for your continued confidence and support.

Ingrid