Take a quick look over my shoulder as I compare two very popular low down payment scenarios apples to apples with a zero down payment loan program that most lenders won’t even tell you about. Right now there are several Down Payment Assistance Programs available in Contra Costa County. Currently there is a program in […]
What to Expect in the Home Loan Process
November 5, 2018 By 10 Comments
Looking for a Bay Area Mortgage Pre Approval? The home loan process in the Bay Area can be full of challenges and “turbulence” sometimes. Rest assured the challenges are 100% worth it in order to become a home owner. If you want to cut to the chase and get your pre approval just go here. […]
Fast Bay Area Mortgage Loan Pre Approval
May 17, 2018 By 2 Comments
It’s so easy to get a mortgage pre-approval letter. It should only take about 15 minutes on the phone with a good Loan Officer and just a bit of work gathering a few income documents. We specialize in getting you pre approved fast in cities like Pleasant Hill, Walnut Creek, Concord, Martinez and Lafayette, or […]
GET A BAY AREA HOME LOAN WHEN THE PROPERTY IS AN INVESTOR FLIP
September 3, 2012 By Leave a Comment
How can you get a mortgage in the CA Bay Area when the subject property is an investor flip? It was pretty exciting to go into the Labor Day holiday this week knowing my amazing clients who found me on the popular site Yelp.com from the great reviews on the site a few months back […]
Using Assets as Income to Qualify For a California Mortgage Loan
August 10, 2012 By 2 Comments
Asset based lending in CA Bay Area Cities like Walnut Creek, Lafayette, Orinda and Pleasant Hill is alive and well. Did you know that if you have a large amount for liquid assets in a mutual fund or stock account, but you are having trouble documenting income as defined by the IRS on your […]
Bay Area Jumbo Loans Approved When Other Lenders Say No – Plegded Assets and Asset Depletion Are Okay!
July 27, 2012 By 2 Comments
C2 Financial and Jason Wheeler have some unique products that will help you get a jumbo loan closed. If you have significant stock holdings, or other liquid assets however you lack the ability to document income as defined by the IRS we can likely help you if you have been turned down by other […]
How to Get a Home Loan That Closes Fast in California – Use a Private Portfolio Lender Fast Closing Mortgages
June 10, 2012 By Leave a Comment
People always ask me where can I get a fast closing mortgage in California? What is the fastest I can close a loan? Well I can say with confidence we can help you facilitate a loan that closes fast. We have the fastest closings on FHA purchase loans in the mortgage business. […]
Bay Area Mortgage Rates Hold at Lows After May Jobs Report
May 7, 2012 By Leave a Comment
Market Commentary from Mortgage Daily Bay Area mortgage rates in the SF and surrounding areas continue to operate at their best levels since early February following Friday’s weaker-than-expected Employment Situation report. There was effectively no change in most lenders’ rate sheet offerings versus Friday morning’s rates. Even last week, there were no dramatic movements into the […]
Jobs Report Has Bay Area Mortgage Rates Dropping to All Time Lows
May 4, 2012 By Leave a Comment
Posted by Jason Wheeler | Fully Follow Me | Subscribe Today’s jobs report has tanked the stock market and interest rates on Mortgages are sharply lower near thier 3 month lows. American employers added fewer workers than forecast in April and the jobless rate unexpectedly fell as people left the labor force, adding to […]
Mortgage APR Explained, What is the Difference Between and Interest Rate and APR
May 3, 2012 By 1 Comment
THE APR (Annual Percentage Rate) CAN BE VERY HELPFUL It is also one of the most misunderstood numbers people find when applying for loans. As consumer loans, and mortgages in particular, turned more complicated it became necessary to help regulate the way lenders advertise and notify the potential borrower of their interest rates. The attempt […]
Bay Area Current Mortgage Rates Today Hit Lowest Point Since February
April 16, 2012 By 1 Comment
Posted by Jason Wheeler | Fully Follow Me | Subscribe Mortgage rates continue to decline from last week. Current pricing is now at it’s lowest since February. Recommendation is to lock in if you are processing a mortgage and you are looking to close this month. ——————————————————– After closing out the previous week with slight […]
CA Bay Area Mortgage Rates Inch Back Into Historically Low Territory
April 10, 2012 By 1 Comment
Posted by Jason Wheeler | Fully Follow Me | Subscribe After quite a few ticks upward in the last few weeks It looks like mortgage rates have pushed back down to their historic lows in the Contra Costa East Bay Area. If you are in the middle of processing a loan or you are refinancing […]
Bay Area Mortgage Rates Spike to Highest Level of the Year. Will They Return to Their Lows?
March 21, 2012 By Leave a Comment
Posted by Jason Wheeler | Fully Follow Me | Subscribe With a huge spike in interest rates last week many are freaking out on a new uptrend. I say hold your horses and they will be on their way back down in the few weeks to come. My recommendation is to wait on locking […]
Deducting CA Home Mortgage Loan Interest Rates – Saving on your California Taxes
February 20, 2012 By 1 Comment
Guest post by Kevin Craig Is this how you feel when you think about tackling your taxes? Deducting home mortgage loan interest rates – Saving on your taxes Getting tax breaks on your home mortgage loan is one of the biggest benefits of home ownership but you need to know how it is possible to […]
HARP 2.0 Program 2012 Could Help Many in SF Bay Area – Fannie Mae Home Affordable Refinance Program & Freddie Mac’s Open Access
November 1, 2011 By 20 Comments
Posted by Jason Wheeler | Fully Follow Me | Subscribe Update 2/10/2012 – We are now accepting applications for this new program. inquire today right here! and find out about HARP 2 rates today. If you want to learn a whole lot more about HARP 2.0 changes and if you can benefit from them if […]
Loan Denied by Wells Fargo, Chase or Bank of America? I Can Likely Still Help You
October 24, 2011 By Leave a Comment
Posted by Jason Wheeler | Fully Follow Me | Subscribe —————————————————————— Things sure have been busy the past few months with a major refinance boom happening. In the past three months I’ve been able to several people refinance thier home and save a ton of money. If you have not asked me about my lending […]
Why Use A Private Portfolio Mortgage Lender
May 11, 2011 By 1 Comment
Posted by Jason Wheeler | Fully Follow Me | Subscribe I’m always talking to people about the benefits of working with myself and C2 Financial Corpcompared to what I call the big three retail lenders. Bank of America, Chase, and Wells Fargo.(Stay Away if you Want a Make Sense Loan! While these big retail […]
What is an Impound Account – Why Do I Need an Escrow Account When I Buy Bay Area Real Estate?
April 14, 2011 By 1 Comment
Posted by Jason Wheeler | Subscribe What is an Impound Account? An account maintained by mortgage companies to collect amounts such as hazard insurance, property taxes, private mortgage insurance and other required payments from the mortgage holders; these payments are necessary to keep the home but are not technically part of the mortgage. Impound accounts […]
10 California Private Money Portfolio Lending Scenarios… FUNDED – We Can Close When Your Lender Says NO.
March 2, 2011 By 30 Comments
STILL NEED TO CLOSE THIS MONTH??? have a purchase go sideways on last minute? need to get a real appraiser of your choice out there? We are not HARD money!!! Programs: We specializes in loans slightly outside the box, we are not always agency sellers so most of our loans represent agency fallout or turn down’s […]
5 Tips When Finding a Lender. What is the Difference Between a Retail Direct Lender and a Wholesale Mortgage Broker in the CA Bay Area?
February 15, 2011 By 2 Comments
Posted by Jason Wheeler | Subscribe Lately I’ve had a lot of questions and concerns from clients and Realtors in the CA Bay Area real estate market place about the difference between a "Direct Lender" a "Retail Lender" and a "Wholesale Broker" What are the main differences and benefits of working with one or the […]
