100% Financing Still Available in San Mateo County

That’s right, 100% financing is still available for San Mateo County home buyers. We’ve talked about FHA financing, which requires 3.5% down payment. But, with the tightening of the guidelines and with FHA’s monthly and upfront mortgage insurance, which can add a significant amount to your monthly mortgage payment and closing costs, borrowers need to have more cash. With this 100% financing program from the USDA (yes, the beef people!), you could literally close escrow without spending a dime of your own money.

Highlights of the 100% Financing USDA Home Loan Program

• No Down Payment Required
• No Monthly Mortgage Insurance (like an FHA loan)
• Seller Can Pay for Reasonable Closing Costs and Prepaids
• No Increased Mortgage Interest Rates for Zero Down Payment
• Not Just for San Mateo First Time Home Buyers
• No Cash Reserves Needed
• All Reasonable Closing Cost and Prepaids Can be Rolled into the Mortgage Without the Seller Paying the Cost (as long as home appraises for increased loan amount)

Become a Homeowner without Touching Your Savings

Because this 100% financing program allows you to finance the costs to close the loan into the original loan amount (as long as the home appraises for the increased loan amount), you could close escrow on a San Mateo County home without using any of your savings.

Income Eligibility

The USDA 100% financing program does have income eligibility requirements.

Property Location Restrictions

One of the requirements of this loan program is the property must be located in a “rural” area. No, this doesn’t mean a place where there is no running water or streets, it simply means the property must be located within an area classified by the USDA as rural. In San Mateo County, we are talking the Coastal Cities South of Pacifica. A greater percentage of Santa Cruz and Monterey County qualify, as well as parts of Contra Costa, Alameda and Santa Clara Counties. Downtown San Mateo, however, would not qualify.

To view a detailed map of eligible properties, you can visit the USDA property eligibility site and search by County or address.

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Chris Williamson is a Mortgage Advisor with Mortgage California specializing in San Mateo Mortgage.

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2. How does the CalSTRS 80/17 Home Loan Program Differ from Conventional Financing?
3. First Time Home Buyer Loan Program for Financing Foreclosures
4. Webinar: Financing a Condo in San Mateo
5. 9 Questions to Ask When Financing a Condo with FHA

Down Payment Assistance Allows You to Finance Closing Costs & Down Payment

CalHFA has two options for down payment assistance that works in conjunction with the Cal30 fixed rate loan program: the CHDAP program and the AHPP program.

Option 1: The California Home Buyer’s Down Payment Assistance Program

The California Home Buyer’s Down Payment Assistance Program (CHDAP) offers a deferred payment 2nd loan for up to 3% of the purchase price or appraised value(whichever is less) to be used towards the borrower’s down payment or closing costs. A deferred payment loan means interest is charged, but no payments are required for a period of time. This second loan can be combined with the Cal30 below market, fixed rate loan program or can be used with another loan program that allows down payment assistance.

Option 2: Affordable Housing Partnership Program

The Affordable Housing Partnership Program (AHPP) is a joint effort between The California Housing and Finance Agency (CalHFA) and cities, counties, redevelopement agencies and housing authorities throughout California. AHPP offers second loans to assist California first time home buyers with their down payment and/or closing costs.

Most Cities Have Down Payment Assistance Programs and/or Special Loan Programs

Each participating California city has its own programs and requirements. One of the programs in San Mateo County was detailed in my last post, City of San Mateo’s First Time Home Buyer Program but several San Mateo County cities have their own unique programs. I will be detailing some of San Mateo County’s city programs in future posts, so be looking out for these.

Are you a San Mateo first time home buyer?

If you are a first time home buyer in San Mateo, CalHFA and its down payment assistance programs may be what you are looking for to take advantage of today’s affordable housing and historically low interest rates.

How Will these Programs Benefit You?

Give me a call at (650) 520-0915 or send me an email at info@SanMateoMortgageBlog.com to see how certain loan programs, reduced interest rates and down payment and closing costs assistance offered through CalHFA can help you become a San Mateo home owner in 2010.

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Chris Williamson is a Mortgage Advisor with Mortgage California specializing in San Mateo Mortgage.

Related posts:

1. CalHFA Cal30 Low Interest Fixed Rate Loan for First Time Buyers
2. First Time Home Buyer Loan Program for Financing Foreclosures
3. City of San Mateo First Time Home Buyer Loan Program
4. New Bay Area FHA Loan Limits: Welcome to Our Neighborhood!
5. Low Down Payment Loan Program for San Mateo – Only 0.5% Down Required

The Mortgage Industry is an Ever Changing Industry

As I always preach, the mortgage industry is a constantly evolving industry. It seems like every day we get new regulations, new disclosure requirements and new guidelines. The newest batch comes from The Department of Housing (HUD) in the form of changes to FHA financing.

New FHA Financing Rules for San Mateo Borrowers

In an effort to strengthen FHA’s capital reserve and to manage their risk while continuing to support the nation’s housing market recovery, FHA’s Commissioner David Stevens announced the following policy changes that will affect all San Mateo FHA borrowers.

• For all FHA loans with case numbers that are assigned April 5, 2010 or later, FHA has increased their upfront mortgage insurance premium for purchases and non-streamline refinances from 1.75% to 2.25% of the base loan amount. For FHA to FHA streamline refinances, the increase is from 1.5% to 2.25%. Most San Mateo borrowers finance this upfront mortgage insurance premium with their loan amount, but you do have the option to pay this as a closing cost.

More Changes for San Mateo FHA Loans Scheduled for Later in 2010

Other announced changes that will take place later in the year are:

• Seller contributions towards a San Mateo home buyer’s closings costs have been reduced from 6% of the purchase price down to 3% of the purchase price. This means that a borrower will have to put more of their own skin into the game on top of their 3.5% down payment
• IF you want to put the minimum 3.5% down on your home purchase, you must have a credit score over 580. If you are 580 or below, you will be required to put 10% down on your purchase.

Considering an FHA Loan? Get it While Today’s Guidelines are Still in Place

With these impending changes coming soon to an FHA purchase near you, give me a call at (650) 520-0915 or send me an email at info@SanMateoMortgageBlog.com and let’s see if we can get a jump on your FHA financing while the current guidelines are in place.

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Chris Williamson is a Mortgage Advisor with Mortgage California specializing in San Mateo Mortgage.

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1. FHA Streamline Refinance Guidelines Changing in 2010
2. FHA Summer Preview: Creating Thrills for the San Mateo County Borrower
3. Mortgage Interest Rates Predicted to Rise in 2010
4. Consider this Before Determining Whether an FHA Loan is Right for the Bay Area Borrower
5. 2009 FHA Loan Limits in San Mateo County

Most loan programs allow you to put as much down payment into your home purchase as you desire. But, not the CalSTRS 80/17 loan program for California’s teachers and school system employees.

What is the CalSTRS 80/17 Loan Program?

As you may recall, the CalSTRS 80/17 loan program allows teachers (or anyone who puts money into the CalSTRS program) to put 3% down and get a 17% deferred 5 year second loan with an 80% first loan. Both the first and second loans have interest rates fixed for 30 years. The difference is the second loan you don’t have to make payments on for 5 years, so you are able to qualify for more with this program, than with any other loan program available today.

Can I Put More than 3% Down if I Want to Buy a More Expensive Home than I Qualify for?

The question often comes up from a borrower who has more than 3% to put down, if I want to purchase a more expensive home, can’t I just make up the difference with my down payment?

Unfortunately the answer is no if you want to use the CalSTRS 80/17 loan program. They only allow a 3% down payment, no more and no less. So, if you are approved and decide to buy a house for $500,000, you must put down $15,000, get an $85,000 second loan and a $400,000 first loan. You can’t buy a house for $501,000 and put $16,000 down to make up the difference of what you are approved for ($500,000) and what you want to offer ($501,000) on a house. You are locked into the strict 3% down payment.

Most borrowers want to save their cash and put as little down as possible, so this usually is not an issue. However, from time to time this question comes up.

Have A Mortgage or Financing Question? Send it to me!

If you have a mortgage or financing question, visit our San Mateo Mortgage Question page. We’ll get you the answers you need.

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Chris Williamson is a Mortgage Advisor with Mortgage California specializing in San Mateo Mortgage.

Related posts:

1. How does the CalSTRS 80/17 Home Loan Program Differ from Conventional Financing?
2. Home Loan Program Just for California Teachers!
3. Realtors: Learn How to Increase Your Buyer Base with FHA and CalSTRS
4. New Bay Area FHA Loan Limits: Welcome to Our Neighborhood!
5. City of San Mateo First Time Home Buyer Loan Program

Two Loan Programs for Financing Foreclosures

The California Housing Finance Agency (CalHFA) offers two loan programs for first time home buyers who are buying foreclosures. One is the Smart Loan Program for single family homes that are owned by CalHFA and the other is the Community Stabilization and Home Loan Program (CSHLP) for single family homes owned by another lending institution. Let’s take a look at both.

Smart Loan Program

This program offers below market rate, 30 year fixed interet rate loans with a 100% financing option. However, to use this program, you have to purchase one of the foreclosed single family homes owned by CalHFA. These properties are located in various areas throughout Northern and Southern California, but currently none are located in San Mateo County. If you would like a list of available properties eligible through the CalHFA Smart Loan program, send me an email at info@SanMateoMortgageBlog.com or a DM on Twitter @ChrisWilliamson.

Community Stabilization and Home Loan Program

The Community Stabilization and Home Loan Program (CSHLP) provides reduced below market interest rates on a 30 year fixed mortgage on select foreclosure properties located in select counties and zip codes throughout California. Currently San Mateo County is not included on this list. Here are the counties and zip codes that are currently eligible:

Income Requirements for the CSHLP and Smart Loan Program

Both the Smart Loan Program and the CSHLP programs have slightly higher income limits than the CalHFA Cal30 Low Interest Rate Loan Program.

Don’t see your County? View CalHFA’s income limits for all California Counties.

Take Advantage of Affordable Housing Before Rates Go Up

With these higher income limits more first time home buyers will be able to take advantage of the foreclosure market at reduced interest rates with little or no down payment. To see if you qualify, call me at (650) 520-0915 or email me at info@SanMateoMortgageBlog.com to set up an in person or phone consultation. Don’t let a few unanswered questions keep you from being a home owner.

Sign Up for Upcoming Classes and Webinars
To view a list of our upcoming home buyer education classes and webinars, check out our Class Schedule page or click on the Sign Up button below.

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Chris Williamson is a Mortgage Advisor with Mortgage California specializing in San Mateo Mortgage.

Related posts:

1. City of San Mateo First Time Home Buyer Loan Program
2. How does the CalSTRS 80/17 Home Loan Program Differ from Conventional Financing?
3. New Fannie Mae Loan Program for Foreclosures
4. Two Down Payment Assistance Loan Programs for Home Buyers
5. Home Loan Program Just for California Teachers!

San Mateo First Time Home Buyer Opportunities in 2010

The New Year always brings new opportunities , allows you to take note of your goals and where you stand. Will 2010 be the year you become a San Mateo first time home buyer? If you are thinking about purchasing your first home in 2010, you definitely have some incentives going for you. We have the home buyer tax credit extension until June 30 2010, historically low mortgage interest rates for the time being, low interest rate loan programs available from the City of San Mateo and the CalHFA program.

What is CalHFA?

CalHFA stands for California Housing Financing Agency. For over 30 years, CalHFA has supported the needs for renters and San Mateo first time home buyers by providing financing and loan programs that create affordable housing opportunities within specified income ranges. CalHFA can provide these low interest rate mortgage loans though the sale of tax exempt bonds.

What Options Do San Mateo First Time Home Buyers Have with CalHFA?

CalHFA has several options available to you as a San Mateo first time home buyer. CalHFA offers 30 year fixed conventional mortgages, loan programs for foreclosure properties and down payment assistance programs that can be used in conjuction with their other loan programs.

The Cal30 Fixed Rate Program

The Cal30 or Conventional 30 year fixed rate loan program is the centerpiece of CalHFA. This program is only offered to California first time home buyers (anyone that has not had ownership interest in a primary residence in the last 3 years). The Cal30 program offers a low fixed interest rate that will not change during the entire loan term.

How Does the Cal30 Loan Program Work?

The Cal30 Conventional loan offers up to 95% financing. This means that you have to come in with at least 5% of your purchase price as a down payment or you can combine your Cal30 first mortgage with one of CalHFA’s down payment assistance programs to help you with down payment and/or closings (more on these programs coming this week). The Cal30 program has both income and sale price restrictions.

Income Restrictions for Cal30 Mortgage Loan Program

The income restrictions for the Cal30 program are based on which county you purchase and the size of your household. Here are the income restrictions for San Mateo County and other Bay Area Counties.

Don’t see your California County? View Cal30 Income restrictions for all Counties in California.

Sales Price Limits for the Cal30 Loan Program

The Sale price limits are based on which county you purchase, whether your property is existing construction or new construction as well as if the property is in a federally targeted area. Areas that are “targeted areas” are where 70 percent of the families earn an income that is 80 percent or less than the statewide median income. Here are the sale price limits in San Mateo County and other Bay Area Counties.

Don’t see your California County? View Cal30 Sales Price limits for all Counties in California.

Interested in the Cal30 Loan Program?

If you are considering the Cal30 First Time Home Buyer Loan Program, contact me at info@SanMateoMortgageBlog.com or (650) 520-0915. I’ll help you evaluate this loan program and determine if this is the best program for your financial situation.

To get started, simply call or email me, to schedule a no obligation consultation. You can also fill out our secure online application or quick mortgage loan application and someone will contact you to schedule an in person or phone consultation.

Sign Up for Upcoming Classes and Webinars

To view a list of our upcoming home buyer education classes and webinars, check out our Class Schedule page or click on the Sign Up button below.

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Chris Williamson is a Mortgage Advisor with Mortgage California specializing in San Mateo Mortgage.

Related posts:

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2. First Time Home Buyer Loan Program for Financing Foreclosures
3. Shop for a San Mateo Mortgage Advisor First to Get the Best Interest Rate
4. Popping and Locking – Interest Rate Style
5. More Tax Incentives for San Mateo First Time Buyers

First Time Home Buyer Loan Program for San Mateo Buyers

The City of San Mateo sponsors several loan programs that helps San Mateo home buyers buy single family homes, town homes and condos located throughout the City. Several of these programs provide loans that offered deferred payment options – meaning you don’t have to start paying back these loans for a specified period of time.

The City of San Mateo’s first time home buyer loan program requires borrowers to qualify for a mortgage from a private lender, such as my company, Mortgage California.

City of San Mateo’s Loan Program for San Mateo First Time Home Buyers

A first time home buyer is defined by the City of San Mateo as anyone who has not owned a principle residence for the past three years, or are a single parent with a dependent child living with you.

Income Requirements

Costs Involved in the City of San Mateo’s First Time Home Buyer Loan Program

Though the City of San Mateo’s loan program helps San Mateo first time home buyers with deferred payments and reduced interest rates, you will need to pay a down payment ranging from 5-10% and closing costs (title and escrow fees, loan fees, inspection costs, credit fees).

Available Properties Eligible for the First Time Home Buyer Loan Program

The City of San Mateo’s First Time Home Buyer loan program is restricted to certain complexes (mostly condominium complexes) located throughout the City of San Mateo. As of this writing, the following complexes were included on this list:

• Gateway Commons
• Meadow Court
• Humboldt Square
• Stonegate Condos
• Corte Bella
• St. Matthews Place
• Rushmore
• Park Bayshore Townhomes
• Marble Bay
• Cedar Bay (houses)
• Norfolk Garden Plaza
• Baywood Condos
• Classic Communities
• Lofts at Bay Meadows
• Grant St. Condos

Available Loans for San Mateo’s First Time Home Buyer Program

The loans available depend on the cost of the unit. Once we determine how much you can afford, we can help you determine which loan program will best match up with the City of San Mateo’s First Time Home Buyer Loan Program.

Other Requirements for San Mateo’s First Time Home Buyer Loan Program

No payment is due on the loan from the City of San Mateo’s First Time Home Buyer loan program until the unit is sold. And, if you sell to a new eligible buyer, the interest payment is waived. The City of San Mateo does reserve the right of first purchase and resale restrictions will apply.

Interested in the City of San Mateo’s First Time Home Buyer Loan Program?

If you are considering the City of San Mateo’s First Time Home Buyer Loan Program, contact me at info@SanMateoMortgageBlog.com or (650) 520-0915. I’ll help you determine whether you qualify and help you submit the required application and supporting documentation. If you’ll need another loan to accompany this loan, we’ll examine your financial situation and help determine which program is best for you.

How Do I Get Started?

You can either contact me at (650) 520-0915 or by email at info@SanMateoMortgageBlog.com or you can fill out our secure online application or quick mortgage loan application and someone will contact you to schedule an in person or phone consultation.

Sign Up for Upcoming Classes and Webinars

To view a list of our upcoming home buyer education classes and webinars, check out our Class Schedule page or click on the Sign Up button below.

Enjoyed this Post? Why Not Subscribe?

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Chris Williamson is a Mortgage Advisor with Mortgage California specializing in San Mateo Mortgage.

Related posts:

1. First Time Home Buyer Loan Program for Financing Foreclosures
2. Home Loan Program Just for California Teachers!
3. Low Down Payment Loan Program for San Mateo – Only 0.5% Down Required
4. Two Down Payment Assistance Loan Programs for Home Buyers
5. How does the CalSTRS 80/17 Home Loan Program Differ from Conventional Financing?

0.5% Down Payment, Really?

If you thought the era of low down payment loan programs was over, think again! Home buyers have had access to FHA financing with a minimum 3.5% down in San Mateo County, but now home buyers have another low down payment loan option. This program is called the FHA California Homebuyers Fund Access loan program.

What is the CHF Access Low Down Payment Loan Program?

The California Homebuyers Fund and is sponsored by the California Rural Home Mortgage Finance Authority or the CRHMFA for short. The Homebuyers Fund, which ties in with the FHA Financing Program, was set up to serve Santa Clara and San Mateo County home buyers who can afford a monthly mortgage payment but do not have enough funds for a substantial down payment or closing costs.

How Does this Low Down Payment Loan Program Work?

The FHA CHF Access program allows a borrower to purchase a San Mateo County home with a down payment as little as 0.5% of the purchase price. You will receive an FHA first mortgage for 96.5% of the purchase price and a second mortgage through the California Homebuyers Fund program for 3% of the purchase price. This leaves you to come up with the remaining 0.5% of the purchase price, which can be paid through gift funds from family members. (Before accepting any gift funds, read my previous post How to Accept Gift Funds from Family.)

What Might a Purchase Look Like?

First Mortgage: $482,500; FHA 30 year fixed at 5.5% (based on today’s interest rate)

Details on 2nd Mortgage: $15,000; CHF Access 15 year fixed at 8.25%

This 0.5% minimum down payment can be paid through gift funds from a family member and like all FHA loans, the seller can pay up to 6% of the purchase price to cover closing costs. With the California Homebuyers Fund Access Low Down Payment Loan Program you can realistically purchase a home with little or no funds of your own.

Are There Any Restrictions for this Low Down Payment Loan Program?

Yes, there are income restrictions. You have to fall into the low-to-moderate income limits for each county.

What are the Income Limits for San Francisco, Santa Clara and San Mateo County?

Looking to Purchase in Another California County?

We loan all up and down California. If you’re looking for the limits for another county, just email us at info[@]SanMateoMortgageBlog.com and we’ll send it over to you.

Do You Qualify for this Low Down Payment Loan Program?

To find out if you qualify for this low down payment loan program, or want more information give me a call at (650) 520-0915 or send me an email at info[@]SanMateoMortgageBlog.com to set up a free, no obligation phone or in person consultation.

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Related posts:

1. City of San Mateo First Time Home Buyer Loan Program
2. How does the CalSTRS 80/17 Home Loan Program Differ from Conventional Financing?
3. Two Down Payment Assistance Loan Programs for Home Buyers
4. Home Loan Program Just for California Teachers!
5. First Time Home Buyer Loan Program for Financing Foreclosures

What is an FHA loan?

For those of you who don’t know what an FHA loan is, it is a loan insured against default by the Federal Housing Administration (FHA). FHA insures the lender against default by the borrower, which means FHA will pay the lender back should you default. This insurance encourages lenders to make larger loan amounts to more people since the risk for them is very low.

What are the Main Benefits of an FHA Loan?

The main benefits to an FHA loan are:

• Low down payment (3.5%) required
  
• Easier to use gift funds for down payment
  
• Easier to qualify
  
• Credit requirements lower than most programs
  

Is FHA Financing Only for First Time Buyers?

No. Almost anyone can qualify. There are not any income requirements, but there are limits on the loan amounts. You need to have decent credit to qualify, but it doesn’t have to be great.

What are the 2009 FHA Loan Limits in San Mateo County?

In high cost areas, which include San Mateo and Santa Clara County, the most money you can borrow with an FHA mortgage loan are:

These are temporary increased figures and may go back down at the end of 2009.

Why You May Decide Against an FHA Loan?

If you need to borrow more than the loan limits, FHA won’t work for you. If you have more than 3.5% available for a down payment, you’ll likely be able to find better financing options provided you have good credit. Also, FHA requires an upfront mortgage insurance premium, which is 1.75% of the loan amount ($12,770.63 for a loan amount of $729,750). This upfront premium can be paid upfront, negotiated and paid for by the seller or you can finance this into the loan. You will also have a monthly mortgage insurance payment on top of your principal and interest payment.

Considering an FHA Loan?

We’ll sit down with you and review your financial goals to determine whether or not an FHA loan is the best option for you. Call us at (650) 520-0915 or send us an email at info[@]SanMateoMortgageBlog.com to schedule a free, no obligation consultation.

Other Posts You May Enjoy

• 2009 Conforming Loan Limits
  
• The Process for Getting a Home Loan
  
• 9 Questions to Ask When Financing a Condo with FHA
  
• How to Accept a Down Payment Gift from Family
  
• When Should I Run My Credit?
  

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If you have enjoyed San Mateo Mortgage Blog – Bay Area Mortgage Broker, please subscribe to our RSS feed.

Chris Williamson is a Mortgage Advisor with Mortgage California specializing in San Mateo Mortgage.

Related posts:

1. 2009 San Mateo County Conforming Loan Limits
2. 2009 San Mateo County Conforming Loan Limits
3. 2010 FHA Loan Limits for San Mateo County
4. New Bay Area FHA Loan Limits: Welcome to Our Neighborhood!
5. 2010 Conforming Loan Limits for San Mateo County

New FHA Guidelines for Streamline Refinance in 2010

Under today’s 2009 FHA streamline refinance guidelines, homeowners with FHA mortgage loans are able to lower their monthly mortgage payment when FHA reduces the interest rate. Today’s guidelines allow homeowners to refinance without an appraisal or verifying income and assets with fast turnaround times. Even homeowners with low credit scores and no jobs are eligible. FHA figured since they were insuring the mortgages to begin with, helping homeowners lower their monthly mortgage payment which in turn should lower their risk of foreclosure.

What’s Changing with FHA Streamline Refinances in 2010?

In a letter from The Office of Housing and Urban Development dated September 18, 2009, the guidelines for 2010 FHA streamline refinances, effective January 1, 2010, are changing drastically. The biggest changes to the FHA streamline refinance are:

• FHA homeowners must be employed when they submit their FHA streamline refinance loan application
  
• FHA homeowners will be required to verify assets needed at closing
  
• FHA homeowners must have a full appraisal done in order to add “roll-in” closing costs to the refinance
  
• The maximum mortgage amount for a streamline refinances without an appraisal cannot exceed the outstanding principal balance and the new upfront mortgage insurance premium
  
• For streamline refinances with an appraisal, discount points (buying down the interest rate) can no longer be rolled into the new mortgage
  

2009 Streamline Refinance vs. 2010 Streamline Refinance

What Does this Mean to a San Mateo Homeowner with an FHA Loan?

If you currently have an FHA loan, you should explore whether or not it would be beneficial for you to do a streamline refinance in 2009 before the guidelines change. Start this as soon as possible to make sure you can take advantage of the 2009 FHA streamline refinance guidelines.

How Do I Determine Whether or Not I Would Benefit?

With some basic information about your FHA loan, we’ll be able to help you determine whether or not you’d benefit from a 2009 FHA Streamline Refinance. If you won’t benefit, we’ll tell you. Then, we’ll put your information into our loan analysis software and when we can help you, we’ll call you. No need for you to monitor the San Mateo mortgage market.

Need an FHA Streamline Refinance Before the Rules Change?

Are you a California homeowner with an FHA home loan? Give me a call at (650) 520-0915, send me an email at info@SanMateoMortgageBlog.com with your loan information and we’ll tell you if you can save money with a 2009 FHA Streamline Refinance. Alternatively, you can submit your information through our secure online mortgage application. We’ll analyze your loan situation and call you with some answers.

Other Posts You May Enjoy

• Stated Income Loans Are Back…But Only With Us!
  
• 12 Biggest Mistakes Consumers Make When Refinancing
  
• Official Launch of the Mortage Adoption Center
  
• 9 Questions to Ask When Financing a Condo with FHA
  
• No Money to Put Into Home Repairs? No Problem!
  

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Chris Williamson is a Mortgage Advisor with Mortgage California specializing in San Mateo Mortgage.

Related posts:

1. FHA Announces Increased Upfront Mortgage Insurance for April 2010
2. Why Some Home Owners Decide not to Refinance
3. One Last Chance to Refinance at Historic Low Interest Rates
4. Auto Lock Program Ensures a Seamless Refinance
5. Mortgage Interest Rates Predicted to Rise in 2010