This is great for buyers, their real estate agents and borrowers who are refinancing their home when their loan to value is higher than 80%. You can have a loan to value on a conventional loan and VA up to 95% loan to value and still not be forced to have impounds for taxes and…

It is almost Spring! The blossoms are blossoming, the bees are buzzing, and it is the perfect time to purchase a new home! The Real Estate Professionals I speak with on a daily basis are saying don’t wait to make that offer…be the first one in without competition! If you wait until all the other…

Attention sellers!  In the current market you don’t have to compete against numerous other sellers…this is a great time to list!  Attention buyers!  In the current market, you don’t have to compete with ten other buyers for the same home!  So if you are thinking of selling your home, or buying a home…NOW is a…

Good time to buy that special someone a new house!  What better way to say “Be my Valentine”!   You may think I’m kidding, but just check out the rates on loan amounts lower than $484,350.00…in the low 4’s…and if you want to borrow all the way up to $726,525.00, then your interest rate will…

Turmoil is usually a bad thing, but when it is national and international, that usually works in the favor of lower interest rates.  The reason?  Financial markets love consistency…they hate the unknown…and turmoil makes them anxious.  So what happens is large investors make the flight to quality and safety.  That means they buy long term…

Happy Thanksgiving to All!!!  Please feel free to call Michael with any mortgage related questions throughout the holiday!  It is understood that a fast answer is best for everyone! 707-259-1117, 530-406-2200 or 707-337-5970!

Word to renters…Average homeowners have net worth of around $195,000.00. Average renters have a net worth of around $5,600.00. The obvious difference is in the equity of the home. It would make sense to talk with a lender as soon as possible about the quickest path you could take to achieve homeownership. If you already…

Now through the end of the year (must close by 12/31/2018) Mitchell Mortgage can pay for your appraisal on all conventional loans up to $525.00!  Combine that with the option to choose no impounds for taxes and insurance up to 95% loan to value, and you can potentially save thousands of dollars in final closing…

More communication means less stress!

Note to all buyers and realtors representing buyers:  Do not fear the need for counseling!  In a just completed transaction of 3% down and mortgage insurance built into the rate for a first time homebuyer, Freddie Macs Home Possible Program insists on real estate counseling from one of several options.  This was handled online, it…