Ric & Pamela Dizon

I would like to see homes that are...
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Listing information deemed reliable, but not guaranteed.

Live in Long Beach? Heads-Up Planning for Getting a Mortgage

For credit-worthy Long Beach homebuyers, getting a mortgage can be a walk in the park…or a nerve-wracking nightmare. The difference usually has to do with those ubiquitous Credit Reports – the ones TV commercials want to send you for free (at which point they will try to sell you not-so-free monthly services). Anyone who has…Read More »

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 »

Cypress Mortgage Rates: Getting Right to the Points

The subprime mortgage crisis and the resulting haymaker it dealt the entire housing market has caused noticeable changes in how homeowners who live in Cypress look at mortgage rates and the loans they negotiate. The intense media focus on the residential financing industry has caused everyone to pay closer attention to the form of home…Read More »

Anaheim FHA Loans Actually Aren’t

By the end of February, The Wall Street Journal felt confident enough to print a headline shrieking, “At Last! Banks Rev Up Lending”. But that doesn’t mean that FHA loans aren’t going to continue to be important to the Anaheim real estate market. To be perfectly clear, let’s get some terms straight. “FHA” stands for…Read More »

A Costly Plan for Non-HARP Qualified Homeowners included in State of the Union Address

The State of the Union Address is when the President lets the country know how we are doing, and what his plans are to make things better. One of his big announcements in this year’s 2012 address was a plan to help homeowners struggling to stay afloat, and who don’t qualify for a Home Affordable…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 »

CHF ACCESS Loan Program – California Homeownership with Little to No Down Payment

CHF ACCESS Loan Program Everyone dreams to own a house to lead a peaceful life without the burden of paying rent.  But, most of them fail to fulfill their dreams due to high mortgage interests, strict qualifying requirements, huge down payments or due to very strict terms.  If you are living in California and dreaming…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 »

Homebuyers are you ready to kiss 4% mortgage rates goodbye?

  Looks like the near 4% mortgage rates have said “Hello” and then “Goodbye”.  Rates have increased since early November. And, a handful of industry experts believe its may be a good thing. The average 30-year fixed mortgage rate has risen to 4.86% from 4.17%, according to Freddie Mac’s weekly mortgage market survey. Rates haven’t…Read More »

Los Angeles and Orange County SCHFA Program First Time Homebuyer Down Payment Assistance

Great News! Homeownership becomes more affordable for working Southern California families. The Southern California Home Finance Authority (SCHFA) bond program is available to first time home buyers and qualified Veterans in Los Angeles and Orange Counties. This program is excluded in the City of Los Angeles. Program Details First time homebuyer or qualified Veteran Purchase…Read More »

CHF Platinum Grant Provides 3% for Down Payment Assistance

California homebuyers have an opportunity for grant money of which none, zero, zilch must be paid back…its a gift! This CHF Platinum grant program provides down payment assistance for low-to-moderate income individuals and families purchasing a home.   Homebuyers can receive up to 3% of their first mortgage to be used as a down payment and/or…Read More »

Lenders See Rise in FHA Requests as Mortgage Insurance Premiums Increase

FHA has changed its upfront and annual mortgage insurance premium structure. The changes are set to go into effect on all new FHA loans issued on or after October 4, 2010. These changes are: Upfront MIP decreases from 2.25% to 1.00% of the amount borrowed Annual MIP increases from as low as 0.50% to: 0.85%…Read More »

3% Grant Provides Down Payment Assistance for Homebuyers in California

What more can you say?  This is a smokin’ HOT program for home buyers in California. This grant program provides down payment assistance for low-to-moderate income individuals and families purchasing a home. Home buyers can receive up to 3% of their first mortgage to be used as a down payment and/or closing costs. Primary residence,…Read More »

Oldies’ but Goodies’ are back for California First Time Homebuyers

Yes, that’s right, the Oldies’ but Goodies’ are back! First-time Homebuyers will benefit from  recent announcements by California Housing Finance Agency(CalHFA).  Their newly released FHA loan program combined with downpayment assistance(CHDAP) is something special! Featured Benefits Below Market Interest Rate on FHA 30yr Fixed Minimum of 1% of Borrowers own Funds 3% Silent Second for…Read More »

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

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