Ric & Pamela Dizon

Long Beach Mortgage Banker Rates are Rising! Or Are They Falling?

When mortgage rates began to rise in January, it caught the attention of a lot of future Long Beach homebuyers. If they had been enticed by the record-breaking low mortgage rates that had been headline news for so long, many of them began to reconsider their leisurely home-hunting pace.  Now we have an interesting turnaround:…Read More »

FHA: What You Must Know About Disputed & Collection Accounts

FHA is going out of their way to make sure that loans are not going out to borrowers who may be considered high-risk. Pre-qualification has become even more important, as new rules released and effective April 1, 2012 by FHA may exclude potential borrowers who owe over $1,000 on collections and disputed accounts. If a…Read More »

Variations on an Orange County Rent-to-Own Theme

The popularity of Rent-to-Own arrangements has grown during the past few years. Because some would-be Orange County home buyers have suffered the direct consequences of the widespread economic downturn and slow recovery, rent-to-own deals can rescue transactions that would have been impossible through regular purchase and mortgage financing arrangements. If a potential buyer’s cash flow…Read More »

The Bill That Makes You Work Harder To Pay More for Buying a Home

Anyone who has ever purchased a Buena Park home will be quick to point out that some of the joy that comes with closing the deal on their dream home was tempered by high mortgage costs. The bad news is that those fees look as though they are about to get even higher, and for…Read More »

CHDAP Helps California First Time Homebuyers with Down Payment / Closing Costs

One of the best programs for first time homebuyer financial aid is the California Homebuyer’s Downpayment Assistance Program – CHDAP, a deferred payment loan of up to 3% of your home’s purchase price. This loan can be used towards a down payment or closing costs. The program is available in conjunction with FHA, VA, USDA…Read More »

Orange County Home Underwater? New HARP Refinance Plan On The Horizon

Last week, it was broadly announced that the Administration is opening the door wider for refinancing Orange County home loans to borrowers who are underwater in their home mortgages. What is HARP? HARP is the acronym for the Home Affordable Refinance Program.  In an effort to help stabilize the housing market, the government developed the program…Read More »

La Palma Homes Eligible for 1% Downpayment Using CalHFA CHDAP

Looking to buy a La Palma home?  If so, preview these La Palma homes eligible for 1% downpayment using CalHFA’s first time homebuyers program.  Live in La Palma, a North Orange County community with 3% downpayment or closing cost assistance. 3 First Time Homebuyer Programs You Must Know In California CalHFA can help with your down…Read More »

Great Window of Opportunity For La Palma Home Loan Rates

You may have heard that La Palma home loan rates in Orange County, CA have improved and are back down to near historic levels. In fact, We’ve been slammed with emails and phone calls from people who live in La Palma and just like you who wanted to take advantage of this wonderful situation. But…Read More »

5 Questions to Ask Your Cypress Home Mortgage Pro

Most of us know you’re supposed to be proactive and assertive when you take out a mortgage for your Cypress home.  Its important to gather and evaluate all sorts of information before you make the biggest deal of your life.  And, when the mortgage professional starts sending over a “grip”  of papers (Really…a bunch of…Read More »

5 Tips Before You Apply for a Mortgage in Cypress

Before you begin your search for a Cypress home loan and apply for a mortgage to purchase or refinance….start collecting!  Yep, its best to be well prepared if live in Cypress and you are looking for a mortgage. Before you apply for a mortgage, the following information or documentation will be required to complete your…Read More »

Buena Park First Time Homebuyer Program Offers up to $55,000

UPDATED 03/31/2011 – Reduced to $55,000 Did you know the City of Buena Park first time homebuyer program offers up to a maximum of $55,000 for the purchase of a home?  It is absolutely true and little if no one is taking advantage of this opportunity to live in Buena Park. Interest rates and home…Read More »

FHA Streamline 203K, Antidote for Visually Challenged Homes

FHA Streamline 203K, Antidote for Visually Challenged Homes   Here’s the cure for those homes for sale that are ugly…err…visually challenged.   This FHA loan can help a buyer alter the appearance of any home, inside and out!   Up to $35,000 for repairs and rehab (simple / non-structural) Additional $2,000 allowed for energy efficiency items…Read More »

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Date last updated: 5/16/12 9:58 AM PDT

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