Monday Morning Mortgages
Real Estate Industry Weekly Bulletins

 

Sonoma County Home Loans
 
Monday Morning Mortgages is a brief week-opening report on mortgages in our area. This is a tool to assist my realty partners on loan trends, rates, program changes, and problem solutions.
 

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FHA Departing Home Rules, Impounds, Dream Maker
Requirements for FHA home financing if borrower has a departing residence under water, Escrowed impound accounts for mortgages, Dream Maker down payment assistance program.
Jan 30, 2012
Acceptable Earnest Money Deposits, Mortgage Tax
Explanation of the acceptable sources for sales offer deposits by a home buyer and Congress increases mortgage rates by adding new tax to pay for payroll tax deduction extension.
Jan 17, 2012
Qualifying Income for a Self Employed Borrower
Income allowed to qualify for a loan for a self employed borrower is more complex and has different document requirements than qualifying income for an employee of a company.
Jul 25, 2011
Where are Fannie, Freddie and Loan Limits Going?
Speculation on future of Fannie Mae and Freddie Mac and new loan limits for Sonoma County October 1, 2011.
Jul 19, 2011
Qualifying for a Second Property Purchase
Current requirements for qualifying for financing to buy a second property.
Jul 11, 2011
Current Mortgage Insurance Requirements
Mortgage Insurance has it's own requirements for lending approval.
Jun 27, 2011
Buy & Bail with FHA?
FHA lending scrutinizes buyers of second homes.
Jun 27, 2011
Monday Morning Mortgages - Appraisals
Update on Appraisals; Transferability, fees, turntimes, comparables,time periods, reviews, for sale listings
Mar 7, 2011
Down Payment Assistance & Termite Reports
Monday Morning Mortgages ~ Tuesday 2-22-2011 Monday Morning Mortgages is a brief week-opening report on mortgages in our area. This is a tool to assist my realty partners on loan trends, rates, program changes, and problem solutions. Current Down Payment Assistance Programs and Termite Report Requirements by Lenders
Feb 22, 2011
Monday Morning Mortgages
Departing properties, Investors' affect on the lending industry,Fast Close of Escrow, Rates
Mar 8, 2010
Monday Morning Mortgages
.5% Down Payment in Sonoma County, 5% Down Payment Fannie Mae,Interest Only
Mar 1, 2010
Monday Morning Mortgages
Re-Use Resources, FHA Anti Flipping Waiver, Santa Rosa Vehicle Abatement
Feb 16, 2010
Monday Morning Mortgages
FHA Changes, Home Buyer Tax Credit Dates, Condo Financing,Bank Closures
Feb 1, 2010
Monday Morning Mortgages
Barney Frank's Big Idea, Facts about the Fed
Jan 25, 2010
Monday Morning Mortgages
FICO Scores, Santa Rosa American Dream Downpayment Initiative
Jan 19, 2010
Monday Morning Mortgages
Foreclosure, Short Sale, Bankruptcy, or Deed in Lieu Effect on Credit Qualifying,Extenuating Circumstances
Jan 11, 2010
Monday Morning Mortgages
New GFE, Real Estate Disclosures, 95% LTV; 5% down, Rates
Jan 4, 2010
Monday Morning Mortgages
Happy New Year!, FHA HVCC Delayed, GFE, VA Loan Limits
Dec 28, 2009
Monday Morning Mortgages
Fannie Mae 8.0,Mortgage Insurance 95% LTV,January 1 RESPA, FHA Appraisals January 1
Dec 21, 2009
Monday Morning Mortgages
Fannie Mae 8.0, Mortgage Rate, 2010 RESPA Changes, 2010 FHA HVCC Changes, Rates
Dec 14, 2009
Monday Morning Mortgages
Fannie Mae 8.0, Tax Credit for Non-occupant Co-borrowers, the Federal Open Market Committee
Nov 30, 2009
Monday Morning Mortgages
95% LTV purchase, Fannie Mae's Deed for Lease, Tax Credit
Nov 9, 2009
Monday Morning Mortgages
HVCC, No-Appraisal FHA Refinance, Loan Limits,Tax Credit, Mortgage Market
Nov 2, 2009
Monday Morning Mortgages
Fannie Mae Changes, Loan Mod Fees, New Laws
Oct 26, 2009
Monday Morning Mortgages
Fannie Mae HomePath, Loan Contingencies
Oct 21, 2009
Monday Morning Mortgages
FHA in Trouble?, Rates
Oct 12, 2009
Monday Morning Mortgages
Investor Financing, Pre-appraisal Inspections,USDA 100% Financing
Oct 5, 2009
Monday Morning Mortgages
Broker vs. Bank, Energy Tax Assesment Loans, MERS, Rates
Sep 28, 2009
Monday Morning Mortgages
FHA Appraisals, Fast & Easy Rehab Loan
Sep 21, 2009
Monday Morning Mortgages
Sonoma County Economic Development Report, Termite Reports
Sep 14, 2009
Monday Morning Mortgages
Condo-PUDs, IRS Audits?
Sep 8, 2009
Monday Morning Mortgages
Tax Impounds, Fannie Mae Changes
Aug 31, 2009
Monday Morning Mortgage
Rates, HELOCS
Aug 24, 2009
Monday Morning Mortgages
Rates, SR ADDI, Bank Failures, COE Timing
Aug 17, 2009
Monday Morning Mortgages
SR City Council Mandatory Upgrades
Aug 3, 2009
Monday Morning Mortgages
MDIA, Defaults
Jul 27, 2009
Monday Morning Mortgages
Rates up, Reg Z, Bankruptcy/Foreclosure, Property Flipping, Nfinit
Jul 20, 2009
Monday Morning Mortgages
Sonoma County rise in sales, ARMS, HELOCS, Rates
Jul 13, 2009
Monday Morning Mortgages
CA Tax Credit Ends; Condo Approvals;HERA Disclosure, Cancelling MI
Jul 6, 2009
Monday Morning Mortgages
Federal Tax Credit, Loan Mod Assistance, Low FICOs, Radian Exits CA, APR
Jun 29, 2009
Monday Morning Mortgages
CalHFA Returns, Foreclosure Moratorium Loopholes, Jumbo Guidelines, ARMS Return
Jun 22, 2009