Archives

2012.02.11: When The Appraisal Is Below The Purchase Price for Real Estate
2012.02.10: Be Careful Moving Your Down Payment Money
2012.02.09: Lowballing Mortgage Quotes Versus "Junk Fees"
2012.02.08: Dual Agency and Sellers Wanting to Keep a Buyer's Deposit
2012.02.07: Agents Refusing to Make an Offer on Real Estate
2012.02.06: Fifteen Year Loans: Are They A Good Idea?
2012.02.05: Don't Roll Mortgage Refinance Costs Into Your Balance If You Wouldn't Pay Them Cash
2012.02.04: Government Policy, Economic Consequences, and Following The Trail of Logic
2012.02.03: There Is Always A Reason For A Low Asking Price
2012.02.02: Builder Upgrades: Pro and Con
2012.02.01: Low Price: "Quantity Has A Quality All Its Own"
2012.01.31: The Economics of Housing Development
2012.01.30: An Apparent Red Flag that Isn't
2012.01.29: Asset and Income Rentals - Borrowing Trouble at Usurous Rates
2012.01.28: The Best Way To Create Problems For Yourself In Real Estate
2012.01.27: Refinancing Your Property with Less Income Than You Had When You Bought
2012.01.26: Weighted Average Cost of Capital Doesn't Include Everything
2012.01.25: Prorated Property Taxes
2012.01.24: Some Free Advice About Real Estate Transactions: If You're Spending Money, Make Sure You Get Something Valuable For It
2012.01.23: Refinancing When You Owe More Than The Home Is Worth
2012.01.22: Be Careful Not To Commit Fraud With Rebates
2012.01.21: Deciding You Don't Want A Particular Mortgage Loan
2012.01.20: Do I Need A Deposit With 100% Financing Offers?
2012.01.19: Privacy Concerns in Real Estate Transactions
2012.01.18: What Type of Real Estate Listing Agent to Choose
2012.01.17: Are Foreclosures A Good Investment?
2012.01.16: Real Estate Numbers: Calculators and Spreadsheets Are Your Friend But They Have Limits
2012.01.15: There's No Such Thing as Full Service Agency for a Discount Price
2012.01.14: Termite Work, Wood Destroying Pest Agreements: Avoiding Fraud
2012.01.13: Things to Consider If You Can't Afford Your Payment
2012.01.12: What Are Points and How Do They Work?
2012.01.11: Loans Not Funded
2012.01.10: Pay a Prepayment Penalty Now, or Wait to Refinance?
2012.01.09: Find An Agent With Enough Time To Devote To Selling YOUR Property
2012.01.08: If The Underwriter Makes A Mistake
2012.01.07: Buying Investment Property - An Example of the Issues
2012.01.06: Second Trust Deeds: Home Equity Loans and Home Equity Lines of Credit
2012.01.05: Let Me Tell You About The Loan You Could Have Had
2012.01.04: The Qualification Letter I Use for My Buyers and Require For My Listings
2012.01.03: RESPA Forbids Steering - Even "Just For Prequalification"
2012.01.02: Having your Credit Run
2012.01.01: Second Trust Deeds and Loan Subordination
2011.12.31: Temporary Rate Buydowns
2011.12.30: Existing Debt: The Biggest Hurdle in Mortgage Loan Qualification
2011.12.29: Property Advertisements: Trolling for Clients and Not Very Truthful
2011.12.28: Multiple Offers: Weak But Increasingly Common, And It's Your Listing Agent's Fault
2011.12.27: Properties With Accepted Contracts Aren't Available
2011.12.26: Buyer's Agents Presenting An Offer In Person
2011.12.25: Gravity Is Not a Major Determinant Of Housing Prices
2011.12.24: Mortgage Loan Advertisements: Horrible and Getting Worse
2011.12.23: Issues with Divorce and Real Estate
2011.12.22: Adverse Possession
2011.12.21: Legal Reasons for Making Late Payments on Your Mortgage
2011.12.20: Fake Agent Scams
2011.12.19: Cash to Close - A Basic Primer
2011.12.18: Homesteading and Declaration of Homestead
2011.12.17: Pre-Payment Penalties If Your Loan Is Sold To Another Lender
2011.12.16: Hourly Pay Instead of Commission For Agents
2011.12.15: Cash Flow Versus Balance Sheet Accounting in Real Estate
2011.12.14: Loan Pre-Approval Means Nothing
2011.12.13: Levels of Mortgage Documentation, or, Why You Should Demand to Do More Paperwork
2011.12.12: Zero Interest Credit Cards versus Home Equity Line Of Credit
2011.12.11: Real Estate Sellers Giving A Buyer Cash Back is Defrauding the Lender
2011.12.10: Getting Rich Quick in Real Estate
2011.12.09: Some Risks of Lender Owned Properties (REO)
2011.12.08: You've Got a Great Offer, But Can The Buyer Consummate It? (Cash to Close and Appraised Value)
2011.12.07: Mortgage Fraud Is Still Happening - What To Do About It
2011.12.06: Buying Real Estate Without A Source of Income Or When You Are Changing Careers
2011.12.05: Misplaced Improvements in Real Estate
2011.12.04: Pay a Prepayment Penalty Now or Wait to Refinance Until It Expires?
2011.12.03: Read The Full Note Before Signing
2011.12.02: Buyer's Basic Guide to The Foreclosure Process and REOs
2011.12.01: When The Buyer And Seller Can't Agree On A Price For Real Estate
2011.11.30: Unpaid Property Taxes That Should Have Been Paid Through Escrow
2011.11.29: Adding Someone to An Existing Mortgage
2011.11.28: If You Need A Loan To Buy A Home, You Need A 60 Day Escrow
2011.11.27: How Much Down Payment Do I Need and How Do I Get It?
2011.11.26: VA Loans Have Become The Magic Bullet
2011.11.25: What Are Recurring and Nonrecurring Closing Costs?
2011.11.24: The Three Day Right of Rescission
2011.11.23: Questions You Should Ask Prospective Loan Providers
2011.11.22: Why Do I Want A Buyer's Agent?
2011.11.21: Qualifying For A Mortgage When One Spouse Has A Low Credit Score
2011.11.20: With The Tightening of Loan Standards, Will You Qualify For The Loan To Buy Real Estate?
2011.11.19: Games Lenders Play (Part IV) - Lying About Loan Type
2011.11.18: What Types of Mortgages Are Available?
2011.11.17: Why You Should Not Walk Away From Real Estate Because You Owe More Than It's Worth
2011.11.16: Picking an Agent: Production Metrics versus Consumer Metrics
2011.11.15: Beware Agendas in Your Financial Reading
2011.11.14: When Loan Modification Will Not Help, or Is Not Appropriate
2011.11.13: When Selling, ALWAYS Be Willing to Show Your Property
2011.11.12: Why You Should Not Refinance Just to Lower Your Payment
2011.11.11: Mortgage Loan Modification
2011.11.10: Buyers Should Never Pay to Repair A Property They Don't Own
2011.11.09: Builder's Incentives To Use Their Lender
2011.11.08: Offers Where The Buyer Knows About A Problem With Your Property
2011.11.07: APR vs APY: What The Difference Between Note Rate and APR Tells You
2011.11.06: How to Effectively Shop For A Listing Agent (Part II)
2011.11.05: How to Effectively Shop For A Listing Agent (Part I)
2011.11.04: What If Your Deed Is Recorded Incorrectly?
2011.11.03: Why You Should Ignore APR
2011.11.02: Keeping Pre-payment Penalties Legal
2011.11.01: Biweekly Mortgage Spam
2011.10.31: How to Succeed at Low Balling on Real Estate
2011.10.30: How to Build Credit So You Qualify for a Home Loan
2011.10.29: How Can A Temporary Buydown Help Realtors and Agents?
2011.10.28: How To Effectively Shop for A Real Estate Mortgage Loan
2011.10.27: President Obama's Mortgage Relief Program October 2011
2011.10.26: Refinancing Does Not Cause Your Property Taxes To Go Up
2011.10.25: Advertising a Sold Property As Available on MLS
2011.10.24: Altering the Terms of A Real Estate Purchase Contract
2011.10.23: Should You Pay Off Your Mortgage Faster?
2011.10.22: Using the Real Estate and Mortgage Information Found Here
2011.10.21: "Buy and Bail" or Buying One Home Before Foreclosure on Another
2011.10.20: Seller Carrybacks
2011.10.19: The Return of Portfolio Lending
2011.10.18: Earnest Money: Copy of a Check or Proof Of Funds?
2011.10.17: How to Effectively Shop for a Buyer's Agent
2011.10.16: Mortgage Markets and Providers and Yield Spread Explained
2011.10.15: The Escrow Process and Reasons for Falling Out
2011.10.14: Listings from Non-MLS Websites
2011.10.13: Wells and Community Water Systems
2011.10.12: Mortgage Accelerators, Money Merge, and Paying Your Mortgage Down
2011.10.11: "You've Got Something I'm Interested In, But I Don't Want to Pay You"
2011.10.10: Listing Agreements: Exclusive Right to Sell Versus Exclusive Agency
2011.10.09: Owner Occupied Loans Only Require A Year of Occupancy
2011.10.08: The Are No Schools That Teach What A Good Agent Needs to Know
2011.10.07: Personal Loans For A Real Estate Down Payment
2011.10.06: Negotiation Requires More Than Dueling Ultimatums
2011.10.05: What Does Escrow Do?
2011.10.04: Investing in Second Trust Deeds
2011.10.03: What Do Loan Qualification Standards Accomplish?
2011.10.02: FSBO Horror and Failure to Disclose Property Defects
2011.10.01: Mortgage Closing Costs: What is Real and What is Junk?
2011.09.30: Magical Thinking About Mortgage Loans
2011.09.29: Rent to Own and Lease With Option to Buy
2011.09.28: Professional Referrals in Real Estate and Loans
2011.09.27: What If You Cannot Refinance Later?
2011.09.26: The Basics of What Should A Buyer Offer (and Should You Even Make An Offer)?
2011.09.25: Negotiations After the Purchase Contract: Seller's Allowances and Fixing Problems
2011.09.22: Why There Will Be No Morning Article Tomorrow
2011.09.22: Pocket Listings: Out of Sight, Out of Mind
2011.09.21: Fixed rate, Balloon, ARM and Hybrid Loans
2011.09.20: Mortgage Rate, Points, and Closing Costs
2011.09.20: The Health Care Question at the Republican Candidate Debate
2011.09.19: Can They Force You To Pay Off Your Car or Other Debts In Order To Get A Loan?
2011.09.18: Loan Qualification Standards: Qualifying Rate and Payment
2011.09.17: Finding or Creating a "Green" or Eco-Friendly House
2011.09.16: Buying Off A Prepayment Penalty At Loan Inception
2011.09.15: "All of the Good Properties Get Offers So Fast!"
2011.09.14: When to Get A Buyer's Agent and Start Looking at Property
2011.09.13: Can You Change Lenders After the Loan is Approved?
2011.09.12: Rental History and Payment Shock in Applying for a Mortgage
2011.09.11: What Buyers Need: What Sellers Should Want to Supply When Selling
2011.09.10: What Sellers Need: What Buyers Should Want to Supply When Making An Offer
2011.09.09: Non-Recourse Purchase Money Loans in California
2011.09.08: Exclusive versus Non-Exclusive Buyer's Agent Agreement
2011.09.07: Don't Allow Yourself To Become A Victim of Bad Real Estate Practice
2011.09.06: Real Estate: General Education versus Specific Expertise
2011.09.05: Games Lenders Play, Part VII - Selling Mortgage Accelerator Programs
2011.09.04: What Can You Do If You've Bought A Vampire Property?
2011.09.03: Timeshares, Pro and Con (mostly Con)
2011.09.02: Probate and Foreclosure and Planning Ahead
2011.09.01: Credit Reports: What They Are and How They Work
2011.08.31: Desperation Mining: How a Buyer Hits Paydirt (and How Sellers Can Avoid it)
2011.08.30: Conforming and Jumbo Only Apply to "A Paper" Conventional Financing
2011.08.29: Stand Alone versus Piggyback Second Trust Deeds
2011.08.28: Demands Listing Agents Make That Aren't in Their Clients Best Interest
2011.08.27: For Sale By Owner - Working Directly With a Loan Officer
2011.08.26: Pre-Payment Penalties and Second Trust Deeds
2011.08.25: Procuring Cause and Multiple Agents
2011.08.24: What Does It Mean To Fall Out Of Escrow?
2011.08.23: Buying Teardown Properties and Condemned Buildings
2011.08.22: Real Estate: Getting From Where You Are To Where You Want To Be
2011.08.21: The Lure and the Trap of Debt Consolidation - Payment Versus Cost of Interest
2011.08.20: Signing Off Loan Conditions
2011.08.19: Stupid Negotiating Tricks: Appeal to Pity (or Falling for Appeal to Pity)
2011.08.18: The High Cost of Waiting To Buy A Home
2011.08.17: Virtues of the US Real Estate Loan Market
2011.08.16: If You Don't Think Agents Are Valuable, Do It Yourself
2011.08.15: Customer Disservice and Alienation - Why Nobody Talks to My Clients Except Me
2011.08.14: Vampire Properties
2011.08.13: Real Estate Purchase Negotiability
2011.08.12: What to Do When Your Loan is Declined
2011.08.11: What Happens To Equity During and After Foreclosure?
2011.08.10: Buying Your Final Home: Payment versus the Rate/Cost Tradeoff
2011.08.09: What to Beware in Third Party Services
2011.08.08: How To Buy Bargain Real Estate
2011.08.07: Credit Lines: Number and Length of Time Open
2011.08.06: Save For A Down Payment or Buy Now? (Part 2 of 2)
2011.08.05: Save For A Down Payment or Buy Now? (Part 1 of 2)
2011.08.04: California's Home Equity Sales Contract Act
2011.08.03: How Do I Get Rid of Private Mortgage Insurance (PMI)?
2011.08.02: Buying or Selling Subject to Existing Deeds of Trust
2011.08.01: Being Realistic Saves Money on your Mortgage
2011.07.31: Did That Slap On The Back Leave a Knife?
2011.07.30: Deferred Payment Mortgages - Not As Bad As I Expected
2011.07.29: Buy Now vs. Wait: Some Practical Hypotheticals
2011.07.28: Is Remodeling Likely To Show A Profit?
2011.07.27: Top Ten Reasons You Bought The Wrong House
2011.07.26: Real Estate "Pig In a Poke"
2011.07.25: One Loan Versus Two Loans
2011.07.24: Helping Yourself Qualify for a Home Loan
2011.07.23: Who Does Creating Barriers to Growth Hurt?
2011.07.22: How Can I Lower The Down Payment Requirements So I Can Buy Real Estate?
2011.07.21: Agents "Buying" Listings: Promising the Undeliverable and Hurting Their Clients
2011.07.20: What is Real Estate Worth?
2011.07.19: Trying to Buy Real Estate Below Market
2011.07.18: Don't Let Cash Distract You From Cost In Real Estate
2011.07.17: Why Do Purchase Escrows Fall Apart? (And Why Is It Happening More Often?)
2011.07.16: The History of Suburban Housing
2011.07.15: You Never Have To Sell to a Any Particular Offer
2011.07.14: Definition of Purchase Money, Cash Out, and Rate /Term Mortgages
2011.07.13: Leverage in Real Estate - Making a Decent Investment Spectacular
2011.07.12: Fixing The Real Estate Mess - My Grunt's Eye View - Proposing Some Small Changes That Would Make A Huge Difference Over Time
2011.07.11: Fixing The Real Estate Mess - My Grunt's Eye View - Describing the Situation
2011.07.10: Why Is My Rate Higher Than My Lender Promised?
2011.07.09: Protecting My Buyer Clients Good Faith Deposit
2011.07.08: Question of the Day 2011-07-08
2011.07.08: What Exactly do First Time Home Buyers Need?
2011.07.07: Prepaid Interest and Why You Never Really Skip a Mortgage Payment
2011.07.06: Unsustainable Loans You Should Not Use to Purchase a Property
2011.07.05: Is The Good Faith Deposit At Risk?
2011.07.04: Why Cost Is As Important As Rate For Mortgage Loans
2011.07.03: For Sale By Owner Issues
2011.07.02: Mortgage Lenders Don't Want to Compete on Actual Price
2011.07.01: Buying Out A Partner - With Complications
2011.06.30: Lump Sum Payments on a Mortgage and Alternative Investments For the Same Money
2011.06.29: Choosing Buyer's Agents By Commission Rebate: Penny Wise, Pound Foolish
2011.06.28: Top Ten Reasons Your House Isn't Selling
2011.06.27: If You're In Trouble With Your Loan, Talk To Your Lender Right Away
2011.06.26: What Happens If I Don't Sign Mortgage Documents?
2011.06.25: Loan Rate Sheets: The Games Lenders Play With Rate Adjustments
2011.06.24: Why Buyers and Refinancers Should Think About a 5/1 ARM
2011.06.23: Seller Paid Closing Costs (or, When Your Prospective Buyer Has No Money)
2011.06.22: How to Use Internet Based Real Estate and House Hunting Sites
2011.06.21: Shop Loans By The Bottom Line To You, Not By What the Provider Makes
2011.06.20: A Good Listing Agent's Most Difficult Task
2011.06.19: Short Sales of Real Estate, aka Short Payoffs
2011.06.18: Zillow Post for First Time Buyer Advice
2011.06.17: Ill-Considered Real Estate Offers and Contracts
2011.06.16: The Benefits and Limitations of Assumable Loans
2011.06.15: Why You Want To Price Your Property Correctly From Day One
2011.06.14: How to Tell If You Can Afford This Property
2011.06.13: What Happens When You Over-Price Real Estate?
2011.06.12: Related Party Transfers of Real Estate - Family, Corporate, or Partners
2011.06.11: Pre-Qualification
2011.06.10: Time in Line of Work for Mortgage Qualification - What Counts?
2011.06.09: Writing Real Estate Purchase Offers to Beat Higher Competing Offers
2011.06.08: Consult a Loan Officer Before You Make a Purchase Offer
2011.06.07: What is Reasonable Loan Officer Compensation?
2011.06.06: Debunking "Lenders Are All The Same"
2011.06.05: Sixty Second Public Service Announcement About Selling Real Estate
2011.06.04: Why Buyers Should Avoid Short Sales
2011.06.03: Real Estate: Giving Someone a Monopoly Does Not Encourage Top Performance
2011.06.02: The 2010 Good Faith Estimate (Page Three)
2011.06.01: The 2010 Good Faith Estimate (Page Two)
2011.05.31: The 2010 Good Faith Estimate (Page One)
2011.05.30: Mortgage Accelerator Programs: A Good Basic Idea, But the Devil Is In the Details
2011.05.29: Pretending the Service Equation is Simpler Than It Is
2011.05.28: Real Estate: Know What Can Be Fixed and What Can't, What's Profitable and What Isn't
2011.05.27: My Sixty Second Public Service Announcement about Buying Real Estate
2011.05.26: Retirement Account Contributions and Mortgage Loan Qualification
2011.05.25: Negative Equity and Short Payoff Scams
2011.05.24: Relocation Loans and Developer Issues
2011.05.23: Consumer Due Diligence on Real Estate and Mortgage Loans
2011.05.22: Selling In Buyer's Markets: Do You Need to Sell Or Are You Part of The Problem?
2011.05.21: Online Mortgage Quotes
2011.05.20: My Thirty Second Public Service Announcement On Mortgage Loans (UPDATED)
2011.05.19: Losing Property Value with Highly Leveraged Properties
2011.05.18: Do Not Sign Loan Disclosures That Don't Apply To Your Loan
2011.05.17: Listing Agents Who Want Both Halves of The Commission
2011.05.16: The Ideal Listing Commission and its Structure: Performance Based
2011.05.15: Selling to Avoid Foreclosure in a Buyer's Market
2011.05.14: The Difference Between Note Rate (APY) and APR
2011.05.13: What Happens When You Can't Make Your Real Estate Loan Payment
2011.05.12: Joint Loans for Unmarried People
2011.05.11: The Push Towards Bigger Loans: Why It Happened and How Consumers Suffered
2011.05.10: Debt Consolidation Refinance - Doing it Wrong vs. Doing it Right
2011.05.09: How to Tell A Good Real Estate Market Article From A Bad One
2011.05.08: CBB: The Art of Setting Buyer's Agency Compensation on a Listing
2011.05.07: Sourcing and Seasoning of Funds
2011.05.06: Steering: The Most Violated Law In Real Estate
2011.05.05: Racial Gap In Home Loans
2011.05.04: The Assassination of Osama Bin Laden
2011.05.04: Debunking "Banks Give Better Deals Than Brokers"
2011.05.03: Mortgages: General Concerns and Manufactured Housing
2011.05.02: Debunking the Money Merge Account Scam (Games Lenders Play, Part 8)
2011.05.01: Non-Exclusive Buyer's Agency Contract - A Bet Consumers Can't Lose
2011.04.30: When Should A Buyer's Agent Ask You To Sign a Contract?
2011.04.29: Joint Loans for Couples: How Does the Qualification Process Work?
2011.04.28: Loan Qualification Standards - "Loanbusters"
2011.04.27: Refinancing With An Expiring Prepayment Penalty
2011.04.26: The Basics of 1031 Exchanges
2011.04.25: Finding Bargain Real Estate: Work With the Buyer's Agent Who Actually Finds The Bargain!
2011.04.24: The Perfect Time To Buy Real Estate
2011.04.23: What If A Title Search Misses a Lien?
2011.04.22: Changes In The Mortgage Market And Transparency Since 2005
2011.04.21: Real Estate and the Four Levels of Competence
2011.04.20: Avoiding Mortgage Prepayment Penalties by Partial Payment
2011.04.19: The Mortgage Loan Market Controls the Real Estate Market
2011.04.18: Games Lenders Play Part II More Misleading Advertising
2011.04.17: Buyers Who Don't Want A Buyer's Agent
2011.04.16: Can a Lender Legally Stop Loan Funding After Signing?
2011.04.15: First Time Home Buyer Assistance Programs: Locally Based
2011.04.14: The FHA Secure Program: Not Helping Many But Does Help The People Eligible
2011.04.13: FHA Loans: Salvation For First Time Buyers
2011.04.12: Time In Line of Work
2011.04.11: The HUD-1 Form
2011.04.10: From How Much You Make to A Payment and Price You Can Afford
2011.04.09: Changing Rates and Streamline Refinancing - Reasons to Love Zero Cost Loans and Hybrid ARMs
2011.04.08: The Best Way To Solve Problems in Real Estate
2011.04.07: Real Estate Liquidation Auctions
2011.04.06: Fixing A Bad Mortgage Sale
2011.04.05: Getting Out of Paying Pre-Payment Penalties
2011.04.04: Title Insurance, or Preventing Fifty Ways to Lose Your Money
2011.04.03: Prepayment Penalties and Biweekly Payment Schemes
2011.04.02: Lenders Holding Your Money Hostage
2011.04.01: The Self-Fulfilling Prophecy of Lender Fear
2011.03.31: Games Lenders Play, Part I: Misleading Advertising to Get You to Call
2011.03.30: Contingent Sales
2011.03.29: Sellers Lending to Buyers Then Selling the Note
2011.03.28: What to look for at Loan Closing
2011.03.27: Mortgages and Reverse Mortgages (RAMs) after Retirement
2011.03.26: Never Choose A Loan (or a Property) Based Upon Payment
2011.03.25: Differences Between Loans Look Smaller Than They Are
2011.03.24: Can You Get A Mortgage On a Condemned House?
2011.03.23: Lenders Adding A Prepayment Penalty After Funding
2011.03.22: "All Mortgage Money Comes From The Same Place"
2011.03.21: In Order To Deal With Looming Foreclosure, You Must Get Out of Denial
2011.03.20: "Should I Refinance?" - Consider Overall Cost of Money, Not Payment
2011.03.19: What Drives Loan Rates?
2011.03.18: Archive Pages Fixed (mostly)
2011.03.18: The Biggest Risk
2011.03.17: First Time Buyer Programs: The Mortgage Credit Certificate (MCC)
2011.03.16: Buyer's Agency, Due Diligence, and the Illusion of Comity
2011.03.15: How Can Buyers Get the Lowest Possible Price on the Best Possible Property?
2011.03.14: Paying Off Old Past Due Bills Without Hurting Your Credit Again
2011.03.13: Why You Shouldn't Have All Your Money In Real Estate
2011.03.12: Buying and Selling Properties with Unpermitted Additions
2011.03.11: How to Sell Your Home Quickly and For The Best Possible Price
2011.03.10: Real Estate Agents and Mortgage Loan Officers Don't Want to Compete
2011.03.09: In Real Estate, You're Better Off Doing One Thing At A Time
2011.03.08: How Loan Providers Make Money
2011.03.07: Translation: Salesgoodspeakian to English
2011.03.06: Why the Current State of New Developer Housing
2011.03.05: Time for Listing Agents To Earn Their Money
2011.03.04: Low Asking Price on Unfinanceable Properties
2011.03.03: The Future of Real Estate Agency is Expert Consultants, Not Controlling Market Access
2011.03.02: Buyer's Markets Are A Great Time For Moving Up
2011.03.01: Fear and Greed, or How Did The Housing Bubble Get So Big?
2011.02.28: Why Do Lenders Sell Mortgages?
2011.02.27: Full Service Agent For Discount Price? Demand Specifics!
2011.02.26: Issues with Family Transfers of Real Estate
2011.02.25: What Do You Mean Back To Basics?
2011.02.24: Real Estate and the Tale of Aesop's Dog (Greed Envy)
2011.02.23: Mortgage Loan Rate Locks
2011.02.22: Getting Another Mortgage Loan After A Short Sale
2011.02.21: Quitclaiming Property with a Mortgage
2011.02.20: Title Insurance, Unpaid Liens After The Sale, and Subrogation
2011.02.19: Straw Buyers and Straw Purchases are Always Fraud
2011.02.18: Looking For Loans In All The Wrong Places
2011.02.17: Facts Of Life On Buying and Selling "Without an Agent"
2011.02.16: Multiple Mortgage Inquiries Do Not Drop Your Credit Score
2011.02.15: Forty and Fifty Year Mortgages
2011.02.14: Impound Accounts Facts and FAQs
2011.02.13: Yield Spread is a Beneficial Tool That Can Be Misused
2011.02.12: Manufactured, Modular, and Site-Built Homes: How Lending Practices Drive the Sales Market
2011.02.11: Automated Underwriting In Pre-Qualification or Pre-Approval Letters
2011.02.10: Undisclosed Short Sales
2011.02.09: Dual Agency: Using the Seller's Agent as Your Buyer's Agent
2011.02.08: First Time Buyer Programs and Multi-Family Housing
2011.02.07: Should I Buy A Home? Part 3: Consequences
2011.02.06: Should I Buy A Home? Part 2: Process
2011.02.05: Should I Buy A Home? Part 1: Preparation
2011.02.04: Two Things Sellers Need To Understand About Buyers
2011.02.03: Which Makes More Difference To Your Future - Buyer's Agent or Listing Agent?
2011.02.02: Nightmare Mortgages and Self-Destructive Behavior
2011.02.01: Buying Without An Agent - My Own Experience
2011.01.31: Mortgage Protection Insurance - The Worst Life Insurance Policy You Can Waste Your Money On
2011.01.30: Asking Price Versus Sales Price
2011.01.29: The Doctrine of Delaying The Moment Of Truth
2011.01.28: What Do I Do If My Loan Falls Through?
2011.01.27: Transferring Ownership of Inherited Property
2011.01.26: Condo HOA and Other Common Interest Assessments
2011.01.25: "Contractor's Specials"
2011.01.24: Can You Keep Your Home Through Bankruptcy?
2011.01.23: Flipping vs Fixing vs Investing
2011.01.22: Why Do I Have to Pay For The Appraisal When I Canceled Escrow?
2011.01.21: Lenders and Insurance Proceeds
2011.01.20: Why All The Fuss Over Real Estate Transactions?
2011.01.19: Deficiency Judgments: Recourse Loans vs. Non-Recourse Loans
2011.01.18: The Era of Make Believe Loans and The Law of Unintended Consequences
2011.01.17: Lender Paid Mortgage Insurance or Regular PMI?
2011.01.16: Assuming Seller Concessions On Loan Quotes
2011.01.15: How to Avoid A Repeat of the Housing Market Mess
2011.01.14: Games Lenders Play, Part V
2011.01.13: What Do You Know That I Don't Know?
2011.01.12: The Bank Wants Their Money - And They Are Entitled To It
2011.01.11: Eminent Domain Abuse: Putting a Stop to It
2011.01.10: The Consequences of Not Shopping Multiple Lenders
2011.01.09: Mortgage Transaction Case Study
2011.01.08: The Last Time I'm Going to Write About Blame for the Housing Market Mess
2011.01.07: Some Offers Are More Equal Than Others (Even If They Are For Less Money)
2011.01.06: Working with Multiple Agents While Searching for a Purchase
2011.01.05: Payment, Interest Rate and Up Front Costs: Choosing a loan intelligently
2011.01.04: Why There Is Money in Fixer Properties
2011.01.03: The Lender's Rule of Mortgage Payments
2011.01.02: Is Your Agent A Cheerleader Or An Analyst?
2011.01.01: The Loan Shopping Koan
2010.12.31: How To Keep Listing Agents From Filtering Out Offers
2010.12.30: Can You Cancel After You Sign Mortgage Loan or Purchase Documents?
2010.12.29: When Selling, You Need To Understand Your Target Market
2010.12.28: Where Would I Invest A Million Dollars?
2010.12.27: Do Furnishings Convey With The Property?
2010.12.26: Short Sale Negotiators and the Interests of Potential Buyers
2010.12.25: They Told Me Not To Make My Loan Payment
2010.12.24: Bridge Loans
2010.12.23: Loan Rates for Low Income Families
2010.12.22: The United States is Facing Imminent Financial Failure
2010.12.21: For Sale By Owner (FSBO) and Low Agent Concessions
2010.12.20: Adding People to Title for Multiple Residence Property
2010.12.19: Why Sellers Should Counter All Reasonable Offers
2010.12.18: Real Estate and "Priced for Perfection"
2010.12.17: Mineral Rights: They Can't Sell What They Don't Own
2010.12.16: What is the Best Investment Vehicle To Save For A Down Payment?
2010.12.15: "Fixes" for the Mortgage Meltdown - Seems You Can't Keep A Bad Idea Down
2010.12.14: Failure to Disclose a Known Material Fact to Buyers
2010.12.13: The Tollbooth Model of Real Estate Agency
2010.12.12: There Is No Fairy Godmother for Loans
2010.12.11: "I'm Working With Someone Else, But Could You Just Help Me With..."
2010.12.10: Mortgage and Real Estate Red Flags
2010.12.09: Issues with Multiple Mortgages
2010.12.08: Reserves for Real Estate Loans
2010.12.07: Mortgage Foreclosure and Taking of Other Assets
2010.12.06: Seller's Failure to Disclose a Pending Assessment
2010.12.05: The Sperm Donor Theory of Buyer's Agents
2010.12.04: Segmented Real Estate Markets And Taking Advantage of Them
2010.12.03: Retroactive Loan Qualification Problems After Recording
2010.12.02: Economics of Housing in High Density Areas
2010.12.01: When You Should Not Buy Real Estate
2010.11.30: How Soon After You Purchase A Home Can You Refinance?
2010.11.29: Avoiding Foreclosure in Bankruptcy
2010.11.28: Some Secrets to Good Transactions
2010.11.27: Wanting a More Expensive Property Than You Can Really Afford
2010.11.26: Don't Rely On Reputation - There Are No Silver Bullets
2010.11.25: Cash Back From The Seller to the Buyer in Real Estate Sales
2010.11.24: What if Your Partner Refuses to Pay Their Share of a Loan or Mortgage (or Won't Pay on Time)?
2010.11.23: I'm Competing Against Multiple Offers. How Do I Proceed?
2010.11.22: Investors Aren't The Only Ones Who Can Fix Ugly Properties
2010.11.21: The "We'll Keep You In Your Property" Scam
2010.11.20: Full Circle: Back to More Traditional Lending Standards
2010.11.19: The Seller Always Knows More About the Property Than the Buyer
2010.11.18: Power of Attorney for Real Estate Transactions
2010.11.17: Buying Investment Property - An Example of the Issues
2010.11.16: The Measurement Unit For Desirability Is Dollars
2010.11.15: Student Loans and Real Estate Loans: Default, Repayment vs. Nonpayment and Consolidation
2010.11.14: Can Someone Be Added to an Existing Mortgage?
2010.11.13: Efforts to Rehabilitate the Negative Amortization Loan
2010.11.12: What Can You Recover From the Title Company When They Miss an Easement?
2010.11.11: Buying Real Estate Isn't Simple
2010.11.10: Why the Real Estate Buyers Agent's Commission is Paid by the Seller
2010.11.09: Restricted Sale Property: Very Difficult to Find A Loan
2010.11.08: You Want an Agency That Can Pay ENOUGH Attention to YOU
2010.11.07: Low Equity (or Worse!) Relocations in a Buyer's Market
2010.11.06: Saving Money by Refinancing Your Mortgage
2010.11.05: Inducements to Use A Builder's Lender for a Purchase
2010.11.04: Recording Errors and Title Insurance
2010.11.03: Will Agents List My Property if I Owe More Than It's Worth?
2010.11.02: Realtor and Loan Officer Responsibility: Can the Client Afford The Property?
2010.11.01: Should Lenders Be Permitted to Sell Real Estate?
2010.10.31: When Your Offer is Rejected
2010.10.30: What Do Buyer's Agents Do?
2010.10.29: Listing Agents Claiming There Are Multiple Offers
2010.10.28: 100% Financing or Low Down Payment or Low Equity: PMI May Be The Only Option
2010.10.27: Refinancing Out of A Negative Amortization Loan (Or Any Other) Before The Penalty Expires
2010.10.26: 125% Refinancing With No New PMI
2010.10.25: Loans with Stealth "Cash Out"
2010.10.24: Good Intentions and Over-Extended Homeowners
2010.10.23: Down Payment At Purchase or Wait Until Later To Pay The Mortgage Down?
2010.10.22: There's Nothing Sacred About Asking Price in Real Estate - Variable Range or Regular
2010.10.21: Variable or Range Pricing of Real Estate
2010.10.20: Shopping For The Best Loan In The Changed Lending Environment
2010.10.19: Loan Qualification Standards - Loan to Value Ratio
2010.10.18: Loan Qualification Standards - Debt to Income Ratio
2010.10.17: Should Negative Amortization Loans Be Banned?
2010.10.16: Listing Agents and Pre-Approvals or Pre-Qualifications
2010.10.15: Option ARMs and Cash Flow
2010.10.14: Negative Amortization Loan Issues on Investment Property
2010.10.13: Negative Amortization Loans - More Unfortunate Details
2010.10.12: Discovering an Unpermitted Addition After You Buy
2010.10.11: Discovering You've Got A Bad Loan - Don't Panic!
2010.10.10: Option ARM and Pick a Pay - Negative Amortization Loans
2010.10.09: What if Your Partner Refuses to Pay Their Share of a Loan or Mortgage (or Won't Pay on Time)?
2010.10.08: Disasters and the Mortgage
2010.10.07: Competing Offers From The Same Agent For The Same Property
2010.10.06: Developers and Incentive Money to Use Their Lender
2010.10.05: We Must Reform The Budgetary System In Order to Survive
2010.10.05: Who Has An Interest That Should Be Protected In A Real Estate Transaction?
2010.10.04: The Good Faith Deposit for Real Estate
2010.10.03: Why Renting Really Is For Suckers (And What To Do About It)
2010.10.02: Loan Providers Offering to Pay For The Appraisal
2010.10.01: How Agents Should Respond To An Appraisal Below Purchase Price
2010.09.30: Buyer's Markets
2010.09.29: Rental Fraud, Landlord Fraud, and Prospective Tenant Scams
2010.09.28: The Tradeoff between Rate and Cost in Real Estate Loans
2010.09.27: Issues with Relocation Loans
2010.09.26: My Loan was Denied - What Fees Can I Recover?
2010.09.25: The Home Valuation Code of Conduct (New Appraisal Standards)
2010.09.24: One Spouse Qualifying For A Loan on Their Own
2010.09.23: What Are The Note And Trust Deed?
2010.09.22: Buyers: Stretching Your Budget Means Compromise
2010.09.21: What Can A Seller Do To Find Out if A Buyer Is Qualified
2010.09.20: Pre-Payment Penalties Expiring and Rate Locks
2010.09.19: Why You Want A Buyers Agent To Deal With Developers
2010.09.18: Financing Tricks and Calculating What You Can Really Afford
2010.09.17: Top Twelve Things That Help You Buy Property At A Bargain Price
2010.09.16: Loan Fall-Out And The Effects Upon Consumers
2010.09.15: Preapproval and Driving off Qualified Potential Buyers
2010.09.14: Investment Property and Sophisticated Users
2010.09.13: "We'll Beat Any Quote" in Mortgage Loans
2010.09.12: Online Real Estate Photographs - You Have Heard of Photoshop?
2010.09.11: What Are Your Options If You Can't Make Your Mortgage Loan Payment?
2010.09.10: The Difference Between a Reliable and Unreliable Prequalification or Preapproval Letter
2010.09.09: You Must Be Willing To Act In Order to Get Any Benefit
2010.09.08: Whatever the New Trick in Loans is, It's an Attempt to Keep From Really Competing On Price
2010.09.07: Buyer's Appraisal versus Seller's Appraisal
2010.09.06: I'm Sorry, Did You Think Your Good Faith Estimate (Or Mortgage Loan Disclosure Statement) Meant Anything?
2010.09.05: Loan Cosigners in Real Estate - A Lot of Risk For Not Much Gain
2010.09.04: Special Restricted Loan Programs Means Potential For Special Problems
2010.09.03: Investment Risk and Paying off the Mortgage Early
2010.09.02: How Easy Scams Are
2010.09.01: Truth In Lending and APR
2010.08.31: Why It May Be Costly to Reject Paying Points
2010.08.30: Title Deeds And The Form They Should Take
2010.08.29: Confusing Past Performance and the Present Situation with Future Planning
2010.08.28: Just Because Compensation for a Loan Isn't Disclosed Doesn't Mean It's Free
2010.08.27: Loan Documents - Contracts of Adhesion
2010.08.26: Considering Condos, Townhomes, and PUDs
2010.08.25: Lipstick on a Pig: Selling the Property You Should Never Have Bought
2010.08.24: Finding a Good Buyer's Agent (And Eliminating Bad Ones)
2010.08.23: Real Estate is More Local Than Most People Think
2010.08.22: Missing a Deadline to Counter
2010.08.21: What is Loan Amortization?
2010.08.20: Deadlines in Real Estate Transactions
2010.08.19: Incorrect Legal Descriptions on a Trust Deed
2010.08.18: Transaction Coordinator: For The Agent's Benefit, Not The Consumers
2010.08.17: Investment Property and Loan Qualification
2010.08.16: Getting A Loan In A Paranoid Lending Environment
2010.08.15: There's No Real Way to Take The Complexity Out of Real Estate
2010.08.14: Why The Higher Rate Loan Is Often Better
2010.08.13: Money You Will Spend Before Your Real Estate Purchase Is Consummated
2010.08.12: Undisclosed Marriage or Domestic Partnership and Effects Upon Title
2010.08.11: Military Housing Allowance and Loan Qualification
2010.08.10: Buying One Property While Selling Another
2010.08.09: Reasons Why You Want A Buyer's Agent
2010.08.08: The Division of Labor Between Buyers and Their Agents
2010.08.07: Straw Buyers and Their Liabilities
2009.12.09: The 2010 Good Faith Estimate (Page Three)
2009.12.08: The 2010 Good Faith Estimate (Page Two)
2009.12.07: The 2010 Good Faith Estimate (Page One)
2009.11.30: Consumer Focused Carnival of Real Estate
2009.11.11: Project VALOUR-IT
2009.10.28: Changes In The Mortgage Market And Transparency Since 2005
2009.09.30: Consumer Focused Carnival of Real Estate
2009.09.17: Carnival Links
2009.09.08: Low Asking Price on Unfinanceable Properties
2009.08.21: Federal Reserve Changing The Rules: Was This Supposed to Be Helpful Regulation?
2009.08.17: Automated Underwriting In Pre-Qualification or Pre-Approval Letters
2009.08.10: Two Things Sellers Need To Understand About Buyers
2009.08.05: Asking Price Versus Sales Price
2009.08.04: State of The San Diego Real Estate Market August 2009
2009.07.30: Consumer Focused Carnival of Real Estate
2009.07.20: Assuming Seller Concessions On Loan Quotes
2009.07.15: Carnival Link
2009.07.13: Some Offers Are More Equal Than Others
2009.07.07: Links and Minifeatures 2009 07 07 Tuesday
2009.07.07: The Loan Shopping Koan
2009.07.06: How To Keep Listing Agents From Filtering Out Offers
2009.07.01: Links and Minifeatures Carnivals Only
2009.07.01: Short Sale Negotiators and the Interests of Potential Buyers
2009.06.30: Consumer Focused Carnival of Real Estate
2009.06.29: They Told Me Not To Make My Loan Payment
2009.06.24: Why Sellers Should Counter All Reasonable Offers
2009.06.23: Links and Minifeatures Carnival Only Edition
2009.06.22: Real Estate and "Priced for Perfection"
2009.06.19: Four Years and Counting
2009.06.16: There Is No Fairy Godmother for Loans
2009.06.15: Links and Minifeatures 2009 06 15 Monday
2009.06.12: Links and Minifeatures 2009 06 12 Friday
2009.06.09: The Sperm Donor Theory of Buyer's Agents
2009.06.08: Links and Minifeatures 2009 06 08 Monday
2009.06.08: Segmented Real Estate Markets And Taking Advantage of Them
2009.06.01: Links and Minifeatures 2009 06 01 Monday
2009.05.30: Consumer Focused Carnival of Real Estate
2009.05.27: I'm Competing Against Multiple Offers. How Do I Proceed?
2009.05.25: Disneyland Trip
2009.05.25: Links and Minifeatures 2009 05 25 Monday (Memorial Day)
2009.05.21: Practical Examples - Refinance or Prepayment Penalty?
2009.05.19: The Measurement Unit For Desirability Is Dollars
2009.05.18: Links and Minifeatures 2009 05 18 Monday
2009.05.18: Debunking the "Record Wave of Foreclosures Coming" Myth
2009.05.18: Student Loans and Real Estate Loans: Default, Repayment vs. Nonpayment and Consolidation
2009.05.14: Links and Minifeatures 2009 05 14 Thursday
2009.05.14: Buying Real Estate Isn't Simple
2009.05.12: Restricted Sale Property: Very Difficult to Find A Loan
2009.05.11: Links and Minifeatures 2009 05 11 Monday
2009.05.11: HR 1728: Proof That This Congress Is In the Pockets of Big Banks
2009.05.11: You Want an Agency That Can Pay ENOUGH Attention to YOU
2009.05.05: Links and Minifeatures 2009 05 05 Tuesday
2009.04.30: Consumer Focused Carnival of Real Estate
2009.04.29: Links and Minifeatures 2009 04 29 Wednesday
2009.04.27: Links and Minifeatures 2009 04 27 Monday
2009.04.27: 105% Refinancing With No PMI (Maybe) (NOW UP TO 125%)
2009.04.21: State of the San Diego Real Estate Market April 2009
2009.04.20: Shopping For The Best Loan In The New Lending Environment
2009.04.17: Links and Minifeatures 2009 04 17 Friday
2009.04.14: Links and Minifeatures 2009 04 14 Tuesday
2009.04.08: Links and Minifeatures 2009 04 08 Wednesday
2009.04.06: Links and Minifeatures 2009 04 06 Monday
2009.04.06: Who Has A Legitimate Interest In A Real Estate Transaction?
2009.04.03: Links and Minifeatures 2009 04 03 Friday
2009.04.02: How Agents Should Respond To An Appraisal Below Purchase Price
2009.04.01: Links and Minifeatures 2009 04 01 (Wednesday)
2009.03.31: Rental Fraud, Landlord Fraud, and Prospective Tenant Scams
2009.03.30: Links and Minifeatures 2009 03 30 Monday
2009.03.30: Consumer Focused Carnival of Real Estate
2009.03.27: Links and Minifeatures 2009 03 27 Friday
2009.03.26: The Home Valuation Code of Conduct (New Appraisal Standards)
2009.03.25: Links and Minifeatures 2009 03 25 Wednesday
2009.03.24: What Are The Note And Trust Deed And What Is The Difference?
2009.03.23: Links and Minifeatures 2009 03 23 Monday
2009.03.23: Buyers: Stretching Your Budget Means Compromise
2009.03.18: Top Twelve Things That Help You Buy a Bargain Property
2009.03.17: Loan Fall-Out And The Effects Upon Consumers
2009.03.16: Links and Minifeatures 2009 03 16 Monday
2009.03.13: Online Real Estate Photographs
2009.03.11: Links and Minifeatures 2009 03 11 Wednesday
2009.03.11: The Difference Between a Reliable and Unreliable Prequalification or Preapproval Letter
2009.03.07: Zero Cost Real Estate Loans
2009.03.04: Links and Minifeatures 2009 03 04 Wednesday
2009.03.03: State of the San Diego Real Estate Market March 2009
2009.03.02: Links and Minifeatures 2009 03 02 Monday
2009.02.28: Consumer Focused Carnival of Real Estate
2009.02.27: Links and Minifeatures 2009 02 27 Friday
2009.02.26: Improving your Credit Score and Tradelines
2009.02.25: Links and Minifeatures 2009 02 25 Wednesday
2009.02.25: Why It May Be Costly to Reject Paying Points
2009.02.24: Title Deeds And The Form They Should Take
2009.02.23: Links and Minifeatures 2009 02 23 Monday
2009.02.23: Confusing Past Performance and the Present Situation with Future Planning
2009.02.20: Links and Minifeatures 2009 02 20 Friday
2009.02.20: A Good Proposal For Dealing With The Mortgage Problem
2009.02.19: Lipstick on a Pig: Selling the Property You Should Never Have Bought
2009.02.18: Links and Minifeatures 2009 02 18 Wednesday
2009.02.18: Barack Obama's "Help For Homeowners" Proposal
2009.02.18: Games with Mortgage Loan Rate Locks (Games Lenders Play Part 10)
2009.02.17: Finding a Good Buyer's Agent (And Eliminating Bad Ones)
2009.02.16: Links and Minifeatures 2009 02 16 Monday
2009.02.12: Links and Minifeatures 2009 02 12 Thursday
2009.02.11: Transaction Coordinator: For The Agent's Benefit, Not The Consumers
2009.02.10: Links and Minifeatures 2009 02 10 Tuesday
2009.02.10: Investment Property and Loan Qualification
2009.02.09: Links and Minifeatures 2009 02 09 Monday
2009.02.09: Getting A Loan In A Paranoid Lending Environment
2009.02.04: Links and Minifeatures 2009 02 04 Wednesday
2009.02.04: Military Housing Allowance and Loan Qualification
2009.02.02: Links and Minifeatures 2009 02 02 Monday
2009.02.02: Reasons Why You Want A Buyer's Agent
2009.01.30: Consumer Focused Carnival of Real Estate
2009.01.29: Links and Minifeatures 2009 01 29 Thursday
2009.01.28: Jumbo Loans and The Current Market (January 2009)
2009.01.27: Links and Minifeatures 2009 01 27
2009.01.27: Be Careful Moving Your Down Payment Money
2009.01.24: Loan Quote Guarantees
2009.01.22: Fifteen Year Loans: Are They A Good Idea?
2009.01.21: Links and Minifeatures 2009 01 21 Wednesday
2009.01.20: There Is Always A Reason For A Low Asking Price
2009.01.19: "Quantity Has A Quality All Its Own": Low Price
2009.01.16: Links and Minifeatures 2009 01 16 Friday
2009.01.14: Links and Minifeatures 2009 01 14 (Wednesday)
2009.01.13: Dissecting the "Lending Game"
2009.01.06: Links and Minifeatures 2009 01 06 Tuesday
2009.01.04: Links and Minifeatures 2009 01 04 Sunday (48!)
2008.12.30: Consumer Focused Carnival of Real Estate
2008.12.29: Links and Minifeatures 2008 12 29 Monday
2008.12.29: Termite Work, Wood Destroying Pest Agreements, and Lender Requirements
2008.12.24: Regulators Toughen Negative Amortization Loans?
2008.12.23: The Hope (Dashed) For Homeowners Program
2008.12.22: Links and Minifeatures 2008 12 22 Monday
2008.12.22: Why You Don't Want A "Top Producer" Listing Your Property
2008.12.21: The Appraisal and Appraisers
2008.12.17: The Qualification Letter I Use for My Buyers and Require For My Listings
2008.12.16: It Is Illegal Under RESPA to Require Even Prequalification With a Particular Lender
2008.12.15: Links and Minifeatures 2008 12 15 Monday
2008.12.15: The Pin That Pops the Housing Bubble?
2008.12.09: Links and Minifeatures 2008 12 09 Tuesday
2008.12.09: Multiple Offers: Weak But Increasingly Common, And It's Your Listing Agent's Fault
2008.12.08: Buyer's Agents Presenting An Offer In Person
2008.12.04: Adverse Possession
2008.12.02: Fake Agent Scams
2008.12.01: Cash to Close - A Basic Primer
2008.11.30: Consumer Focused Carnival of Real Estate
2008.11.27: Project Valour IT
2008.11.24: Links and Minifeatures 2008 11 24 Monday
2008.11.19: Stop Short Sale Bait and Switch
2008.11.18: You've Got a Great Offer, But Can The Buyer Consummate It? (Cash to Close)
2008.11.17: How the Gay Rights Movement Converted Me From A Solid Supporter to Something Else
2008.11.17: Links and Minifeatures 2008 11 17 Monday
2008.11.17: Mortgage Fraud Is Still Happening - What To Do About It
2008.11.15: Housing Bubble Death Trap
2008.11.13: New Good Faith Estimate and HUD 1 Form Approved
2008.11.09: Understanding Loans: When There Is A Problem, It's Good If They Tell You Right Away
2008.11.05: California Mortgage Loan Disclosure Statement
2008.11.04: How Much Down Payment Do I Need and How Do I Get It?
2008.11.03: VA Loans Have Become The Magic Bullet
2008.10.31: Links and Minifeatures 2008 10 31 Friday (Happy Halloween!)
2008.10.30: Consumer Focused Carnival of Real Estate
2008.10.29: Notice: I Am No Longer Affiliated with Mortgages Unzipped
2008.10.29: A Patriot's Manifesto For This Election and After
2008.10.27: Links and Minifeatures 2008 10 27 Monday
2008.10.27: Will I Qualify for the Loan to Buy Real Estate During The Market Meltdown?
2008.10.24: Appraisal Fraud
2008.10.23: Killing the Goose That Lays The Golden Eggs - And All of Its Descendants
2008.10.23: What Sort of Loan Can I Get? (October 2008)
2008.10.22: Links and Minifeatures 2008 10 22 Wednesday
2008.10.21: Why You Should Not Walk Away From Upside-Down Real Estate
2008.10.20: When Loan Modification Will Not Help, or Is Not Appropriate
2008.10.17: How Loan Modification Benefits The Real Estate Markets
2008.10.16: Links and Minifeatures 2008 10 16 Thursday
2008.10.16: Mortgage Loan Modification
2008.10.14: Offers Where The Buyer Knows About A Problem With Your Property
2008.10.13: Links and Minifeatures 2008 10 13 (Welcome Columbus!)
2008.10.13: APR vs APY: What The Difference Between Note Rate and APR Tells You
2008.10.08: Links and Minifeatures 2008 10 08 Wednesday
2008.10.07: Second Presidential Debate Poll
2008.10.06: Links and Minifeatures 2008 10 06 Monday
2008.10.02: The Vice Presidential Debate: How Did Palin and Biden Do?
2008.10.02: Links and Minifeatures 2008 10 02 Thursday
2008.10.01: Advertising a Sold Property As Available on MLS
2008.09.30: Consumer Focused Carnival of Real Estate
2008.09.29: Links and Minifeatures 2008 09 29 Monday
2008.09.29: House Kills Best Likely Bill to Save the Markets
2008.09.29: Second Trust Deeds: Home Equity Loans and Home Equity Lines of Credit
2008.09.27: My Impressions of the First Debate - Calling Obama's Bluff
2008.09.26: 2008 Presidential Debate 1
2008.09.26: Links and Minifeatures 2008 09 26 Friday
2008.09.25: A Highly Leveraged Way to Ameliorate the Financial Crisis
2008.09.25: "Buy and Bail" or Buying One Home Before Foreclosure on Another
2008.09.24: Links and Minifeatures 2008 09 24 Wednesday
2008.09.23: The Return of Portfolio Lending
2008.09.22: Links and Minifeatures 2008 09 22 Monday
2008.09.22: Earnest Money: Copy of a Check or Proof Of Funds?
2008.09.21: How Are You Going To Compare Loans Without Specific Numbers?
2008.09.18: Links and Minifeatures 2008 09 18 Thursday
2008.09.17: Listings Not Sourced on MLS
2008.09.16: Links and Minifeatures 2008 09 16 Tuesday
2008.09.16: Wells and Community Water Systems
2008.09.15: Mortgage Accelerators, Money Merge, and Paying Your Mortgage Down
2008.09.13: How Much Can Lenders Low-Ball Their Quotes?
2008.09.12: Links and Minifeatures 2008 09 12 Friday
2008.09.10: Links and Minifeatures 2008 09 10 Wednesday
2008.09.10: The Are No Schools That Teach What A Good Agent Needs to Know
2008.09.09: Personal Loans For A Real Estate Down Payment
2008.09.08: Links and Minifeatures 2008 09 08 Monday
2008.09.08: Negotiation Requires More Than Dueling Ultimatums
2008.09.05: The State of the Loan Market and How Much You Can Borrow September 2008 (Part II)
2008.09.04: Links and Minifeatures 2008 09 04 Thursday
2008.09.04: The State of the Loan Market and How Much You Can Borrow September 2008 (Part I)
2008.09.03: What Do Loan Qualification Standards Accomplish?
2008.09.02: Links and Minifeatures 2008 09 02 Monday
2008.09.02: Sarah Palin, the Nutroots, and National Media "Doing Our Job"
2008.09.02: All Buyer Assistance Programs Require Full Documentation of Income
2008.08.31: Consumer Focused Carnival of Real Estate
2008.08.29: McCain Selects Alaska Governor Sarah Palin for Vice President!
2008.08.28: Links and Minifeatures 2008 08 28 Thursday
2008.08.28: Rent to Own and Lease With Option to Buy
2008.08.26: What If You Cannot Refinance Later?
2008.08.25: Links and Minifeatures 2008 08 25 Monday
2008.08.25: Negotiation Basics: On What to Offer and Whether to Offer
2008.08.23: Refinancing When The Rates Are Higher
2008.08.22: Links and Minifeatures 2008 08 22 Friday
2008.08.21: The Moment of Truth, Signing Bad Loan Documents and the Right of Rescission
2008.08.20: Links and Minifeatures 2008 08 20 Wednesday
2008.08.19: Loan Qualification Standards: Qualifying Rate and Payment
2008.08.18: Links and Minifeatures 2008 08 18 Monday
2008.08.18: Finding or Creating a "Green" or Eco-Friendly House
2008.08.14: Links and Minifeatures 2008 08 14 Thursday
2008.08.13: Russia's Assault Upon Georgia, and the Implications
2008.08.13: Why Lenders Don't and Won't Tell Borrowers Their Loan Was Turned Down (Games Lenders Play, Part 9)
2008.08.12: What Buyers Need: What Sellers Should Want to Supply
2008.08.11: Links and Minifeatures 2008 08 11 Monday
2008.08.11: What Sellers Need: What Buyers Should Want to Supply
2008.08.08: Links and Minifeatures 2008 08 08 Friday
2008.08.08: Conquest May Be Bad, But It Is The Natural Way of Things
2008.08.06: Links and Minifeatures 2008 08 06 Wednesday
2008.08.06: How Do I Know If I've Been Lowballed on a Mortgage Quote?
2008.08.04: Links and Minifeatures 2008 08 04 Monday
2008.08.04: Is San Diego Market Underpriced or Overpriced? - A Thought Experiment for August 2008
2008.08.01: Links and Minifeatures 2008 08 01 Friday
2008.07.30: Consumer Focused Carnival of Real Estate
2008.07.29: Links and Minifeatures 2008 07 29 Tuesday
2008.07.29: Desperation Mining: How a Buyer Hits Paydirt (and How Sellers Can Avoid it)
2008.07.28: Links and Minifeatures 2008 07 28 Monday
2008.07.28: Conforming and Jumbo Only Apply to "A Paper" Conventional Financing
2008.07.25: Links and Minifeatures 2008 07 25 Friday
2008.07.24: Links and Minifeatures 2008 07 24 Thursday
2008.07.23: Procuring Cause and Multiple Agents
2008.07.22: What Does It Mean To Fall Out Of Escrow?
2008.07.21: Links and Minifeatures 2008 07 21 Monday
2008.07.21: Buying Teardown Properties and Condemned Buildings
2008.07.19: Mellon
2008.07.18: Links and Minifeatures 2008 07 18 Friday
2008.07.15: Charles Schumer Administers Coup-de-Grace to IndyMac
2008.07.14: Links and Minifeatures 2008 07 14 (Monday)
2008.07.14: If You Don't Think Agents Are Valuable, Do It Yourself
2008.07.13: Customer Disservice and Alienation - Why Nobody Talks to My Clients Except Me
2008.07.10: Links and Minifeatures 2008 07 10 Thursday
2008.07.09: Buying Your Final Home: Payment versus the Rate/Cost Tradeoff
2008.07.07: Links and Minifeatures 2008 07 07 Monday
2008.07.07: How to Buy a Bargain Property
2008.07.05: Links and Minifeatures 2008 07 05 Saturday
2008.07.02: Consumer Focused Carnival of Real Estate
2008.06.30: Links and Minifeatures 2008 06 30 Monday
2008.06.27: Links and Minifeatures 2008 06 27 Friday
2008.06.26: Second Amendment Means What It Says
2008.06.25: What Remodeling is Likely to Show a Profit on Sale?
2008.06.24: Top Ten Reasons You Bought The Wrong House
2008.06.23: Links and Minifeatures 2008 06 23 Monday
2008.06.23: Real Estate "Pig In a Poke"
2008.06.21: The Best Idea About Applying for a Mortgage
2008.06.19: Links and Minifeatures 2008 06 19 Thursday (Three Years!)
2008.06.19: Who Does Creating Artificial Barriers to Growth Hurt?
2008.06.18: Consumer Focused Carnival of Real Estate
2008.06.17: How Can I Lower The Down Payment Requirements So I Can Buy Real Estate?
2008.06.16: Links and Minifeatures 2008 06 16 Monday
2008.06.16: Agents "Buying" Listings: Promising the Undeliverable and Hurting Their Clients
2008.06.15: Approaching the Loan Application Process - What Loan Will You Qualify For?
2008.06.13: Links and Minifeatures 2008 06 13 Friday
2008.06.11: Links and Minifeatures 2008 06 11 Wednesday
2008.06.11: Why Do Purchase Escrows Fall Apart? (And Why Is It Happening More Often?)
2008.06.10: NEWSFLASH! SAN DIEGO DECLINING MARKET DESIGNATOR REMOVED!
2008.06.10: Why You Want The Lender to Assume Pricing Risk
2008.06.09: Links and Minifeatures 2008 06 09 Monday
2008.06.09: The History of Suburban Housing
2008.06.06: Links and Minifeatures 2008 06 06 (D-Day plus 64 years)
2008.06.06: San Diego Real Estate Market: June 2008 Advice
2008.06.04: Links and Minifeatures 2008 06 04 Wednesday
2008.06.04: Consumer Focused Carnival of Real Estate
2008.06.03: Why Is My Rate Higher Than My Lender Promised?
2008.06.02: Links and Minifeatures 2008 06 02 Monday
2008.06.02: Protecting My Buyer Clients Good Faith Deposit
2008.05.31: Appraisers Speak Out Against "Make The Deal"
2008.05.30: Links and Minifeatures 2008 05 30 Friday (The Original Memorial Day)
2008.05.30: Prepaid Interest and Why You Never Really Skip a Mortgage Payment
2008.05.28: Links and Minifeatures 2008 05 28 Wednesday
2008.05.28: Is The Good Faith Deposit At Risk?
2008.05.27: Links and Minifeatures 2008 05 27 Tuesday
2008.05.27: Why Cost Is As Important As Rate For Mortgage Loans
2008.05.22: Links and Minifeatures 2008 05 22 Thursday
2008.05.21: Consumer Focused Carnival of Real Estate
2008.05.20: Top Ten Reasons Your Home Isn't Selling
2008.05.19: Links and Minifeatures 2008 05 19 Monday
2008.05.19: Obama Lives In Glass House But Loves Throwing Stones
2008.05.19: The Best Way to Avoid Default and Foreclosure
2008.05.16: Why Buyers and Refinancers Should Consider a 5/1 ARM Again
2008.05.15: Links and Minifeatures 2008 05 15 Thursday
2008.05.14: How to Use Internet Based Real Estate and House Hunting Sites
2008.05.13: Shop Loans By The Total Cost To You, Not By What the Provider Makes
2008.05.12: Links and Minifeatures 2008 05 12 Monday
2008.05.12: A Good Listing Agent's Most Important Responsibility
2008.05.10: Links and Minifeatures 2008 05 10 Saturday
2008.05.09: Dangers of a Poorly Written Real Estate Purchase Offer
2008.05.08: Links and Minifeatures 2008 05 08 Thursday
2008.05.08: Loan Assumption and Assumable Loans
2008.05.07: Consumer Focused Carnival of Real Estate
2008.05.06: Links and Minifeatures 2008 05 06 Tuesday
2008.05.06: Buyers, Asking Price and Days on Market
2008.05.02: Links and Minifeatures 2008 05 02 Friday
2008.05.01: Time in Line of Work for Mortgage Qualification - What Counts?
2008.04.30: Saving the Real Estate Agency Profession in the Era of Free Information
2008.04.30: Links and Minifeatures 2008 04 30 Wednesday
2008.04.30: Writing Real Estate Purchase Offers to Beat Higher Competing Offers
2008.04.29: Consult a Loan Officer to Make a Purchase Offer
2008.04.28: Links and Minifeatures 2008 04 28 Monday
2008.04.28: April 2008: Why Loan Rates Are Cheap
2008.04.25: Links and Minifeatures 2008 04 25 Friday
2008.04.25: Sixty Second Public Service Announcement About Selling Real Estate
2008.04.24: Why Buyers Should Avoid Short Sales
2008.04.23: Consumer Focused Carnival of Real Estate
2008.04.22: What $5 (and Higher) Gas Means to Suburban and Exurban Real Estate
2008.04.21: Links and Minifeatures 2008 04 21 Monday
2008.04.21: Real Estate: Giving Someone a Monopoly Does Not Encourage Top Performance
2008.04.20: The Good Faith Estimate (Part II)
2008.04.19: The Good Faith Estimate (part I)
2008.04.17: Links and Minifeatures 2008 04 17 Thursday
2008.04.17: Pretending the Service Equation is Simpler Than It Is
2008.04.16: My Sixty Second Public Service Announcement about Buying Real Estate
2008.04.15: Links and Minifeatures 2008 04 15 (A date which lives in infamy - every year!)
2008.04.15: Retirement Account Contributions and Mortgage Loan Qualification
2008.04.14: Another Scam: "Negative Equity? Sell and Get Cash!"
2008.04.12: Links and Minifeatures 2008 04 12 Saturday
2008.04.12: Consumer Due Diligence on Real Estate and Mortgage Loans
2008.04.10: Links and Minifeatures 2008 04 10 Thursday
2008.04.10: Today's Turkey
2008.04.09: Consumer Focused Carnival of Real Estate
2008.04.08: My Thirty Second Public Service Announcement On Mortgage Loans
2008.04.07: Links and Minifeatures 2008 04 07 Monday
2008.04.04: Links and Minifeatures 2008 04 04 Friday
2008.04.04: Zillow's New Mortgage Quote Forum
2008.04.04: The Ideal Listing Commission and its Structure: Performance Based
2008.04.03: The FAA: Culture of Corruption
2008.04.02: The Difference Between Note Rate (APY) and APR
2008.03.31: Links and Minifeatures 2008 03 31 Monday
2008.03.28: The IAEA and Script Zombies
2008.03.28: Links and Minifeatures 2008 03 28 Friday
2008.03.28: How to Tell A Good Real Estate Market Article From A Bad One
2008.03.27: CBB: The Art of Setting Buyer's Agency Compensation on a Listing
2008.03.26: Consumer Focused Carnival of Real Estate
2008.03.25: Links and Minifeatures 2008 03 25 Tuesday
2008.03.25: Sourcing and Seasoning of Funds
2008.03.24: Steering: The Most Violated Law In Real Estate
2008.03.20: Links and Minifeatures 2008 03 20 Thursday
2008.03.20: Debunking the Money Merge Account Scam (Games Lenders Play, Part 8)
2008.03.19: Non-Exclusive Buyer's Agency Contract - A Bet Consumers Can't Lose
2008.03.18: Jumbo Conforming Loans: Tougher Standards Than Conforming Loans
2008.03.17: Links and Minifeatures 2008 03 17 Monday (My Leprechaun is 8!)
2008.03.17: When Should A Buyer's Agent Ask You To Sign a Contract?
2008.03.14: Links and Minifeatures 2008 03 14
2008.03.14: San Diego Housing Market March 2008: Heating Back Up
2008.03.13: Refinancing With a Prepayment Penalty
2008.03.12: Consumer Focused Carnival of Real Estate
2008.03.10: Links and Minifeatures 2008 03 10 Monday
2008.03.10: Finding Bargain Real Estate: Work With the Buyer's Agent Who Actually Finds The Bargain!
2008.03.09: Getting a Loan Provider to Agree to be a Backup Loan
2008.03.06: Links and Minifeatures 2008 03 06 Thursday
2008.03.06: New Temporary FHA Conforming Loan Limits Announced!
2008.03.06: Real Estate and the Four Levels of Competence
2008.03.05: Avoiding Mortgage Prepayment Penalties by Partial Payment
2008.03.04: Links and Minifeatures 2008 03 04 Tuesday
2008.03.04: The Mortgage Loan Market Controls the Real Estate Market
2008.03.03: Links and Minifeatures 2008 03 03 Monday
2008.02.29: Links and Minifeatures 2008 02 29 (Leap Day)
2008.02.29: Down Payment Assistance: Buying FHA With No Money Down Doesn't Require 100% Financing!
2008.02.27: Consumer Focused Carnival of Real Estate
2008.02.26: The FHA Secure Program - Saving Some Homeowners From Foreclosure
2008.02.25: Links and Minifeatures 2008 02 25 Monday
2008.02.25: FHA Loans: Poised for a Comeback
2008.02.21: Links and Minifeatures 2008 02 21 Thursday
2008.02.21: FYI: FHA Loans, FHA Secure, and Down Payment Assistance Programs
2008.02.21: Changing Rates and Streamline Refinancing - Reasons to Love Zero Cost Loans and Hybrid ARMs
2008.02.20: The Best Way To Solve Problems in Real Estate
2008.02.19: Links and Minifeatures 2008 02 19 Tuesday
2008.02.19: Real Estate Liquidation Auctions
2008.02.14: Links and Minifeatures 2008 02 14 Thursday (Happy Valentine's Day!)
2008.02.13: Conforming Loan Limits and the Economic Stimulus Package
2008.02.13: Consumer Focused Carnival of Real Estate
2008.02.12: Links and Minifeatures 2008 02 12 Tuesday
2008.02.12: The Self-Fulfilling Prophecy of Lender Fear
2008.02.08: Links and Minifeatures 2008 02 08 Friday
2008.02.06: Links and Minifeatures 2008 02 06 Wednesday
2008.02.05: Upon Conservatives Refusing to Support John McCain
2008.02.05: Differences Between Loans Look Smaller Than They Are
2008.02.04: Links and Minifeatures 2008 02 04 Monday
2008.02.04: Carnival Of Real Estate #76
2008.01.31: Links and Minifeatures 2008 01 31 (Thursday)
2008.01.31: Private Mortgage Insurance Rates Jump
2008.01.30: Consumer Focused Carnival of Real Estate
2008.01.29: Links and Minifeatures 2008 01 29 Tuesday (Florida)
2008.01.29: California Prohibits Landlords From Inquiring Whether Prospective Tenants are Illegal Aliens
2008.01.29: Dealing With Looming Forclosure - Get Out of Denial
2008.01.28: "Should I Refinance?" - Consider Overall Cost of Money, Not Payment
2008.01.24: Links and Minifeatures 2008 01 24 Thursday
2008.01.24: Buyer's Agency, Due Diligence, and the Illusion of Comity
2008.01.23: How Can Buyers Get the Lowest Possible Price on the Best Possible Property?
2008.01.22: Links and Minifeatures 2008 01 22 Tuesday
2008.01.22: Successful Refinancing - An Example of the Issues, Computations, and Thought Process
2008.01.21: Links and Minifeatures 2008 01 21 (Monday)
2008.01.21: Another Refinance Boom - With a Difference
2008.01.18: Links and Minifeatures 2008 01 18 (Friday)
2008.01.18: Buying and Selling Properties with Unpermitted Additions
2008.01.17: How to Sell Your Home Quickly and For The Best Possible Price
2008.01.16: Links and Minifeatures 2008 01 16 Wednesday
2008.01.16: Consumer Focused Carnival of Real Estate
2008.01.15: Real Estate Agents and Mortgage Loan Officers Don't Want to Compete
2008.01.14: Links and Minifeatures 2008 01 14 (Monday)
2008.01.12: Links and Minifeatures 2008 01 12 Saturday
2008.01.11: Primary Elections and "Change"
2008.01.10: Links and Minifeatures 2008 01 10 Thursday
2008.01.09: The Future of Real Estate Agency: Expert Consultants, Not Market Access
2008.01.08: Links and Minifeatures 01 08 Tuesday
2008.01.08: Buyer's Markets Are A Great Time For Moving Up
2008.01.07: Fear and Greed Counterpoint
2008.01.04: Links and Minifeatures 01 04 Friday (47?)
2008.01.04: Bundling Agent Services: What Services Do You Want and Need?
2008.01.02: Links and Minifeatures 01 02 Wednesday
2008.01.02: Consumer Focused Carnival of Real Estate
2008.01.01: Real Estate and Mortgages: Back to Basics?
2007.12.31: Links and Minifeatures 12 31 Monday (New Year's Eve)
2007.12.31: Greed Envy, or the Tale of Aesop's Dog
2007.12.29: Getting Another Mortgage Loan After A Short Sale
2007.12.28: Quitclaiming Property with a Mortgage
2007.12.27: Links and Minifeatures 12 27 Thursday
2007.12.26: ...And a Panda Fell Out of Her Tree
2007.12.22: Is This Supposed to be Helpful Legislation? (A bad example from Illinois)
2007.12.21: 100% Financing: Buying A Home With Zero Down Payment
2007.12.20: Links and Minifeatures 12 20 Thursday
2007.12.19: New Proposed Federal Reserve Rules: Is This Supposed to Be Helpful Regulation?
2007.12.19: Consumer Focused Carnival of Real Estate
2007.12.17: Links and Minifeatures 12 17 Monday
2007.12.17: Yield Spread is a Beneficial Tool That Can Be Misused
2007.12.14: Links and Minifeatures 12 14 Friday
2007.12.13: First Time Buyer Programs and Multi-Family Housing
2007.12.12: Links and Minifeatures 12 12 Wednesday
2007.12.12: Which Makes More Difference - Buyer's Agent or Listing Agent?
2007.12.11: San Diego Market Prognosis December 2007
2007.12.10: Links and Minifeatures
2007.12.07: Nightmare Mortgages and Self-Destructive Behavior
2007.12.06: Links and Minifeatures 12 06 Thursday
2007.12.06: Buying Without An Agent - My Own Experience
2007.12.05: Consumer Focused Carnival of Real Estate
2007.12.04: Real Estate and Loan Agents Selling Mortgage Life Insurance
2007.12.03: Links and Minifeatures 12 03 Monday
2007.12.03: The Doctrine of Delaying The Moment Of Truth
2007.12.02: Making Certain You Shop Your Mortgage - Whether You Want To Or Not
2007.11.30: Links and Minifeatures 11 30 Friday
2007.11.29: Condo Assessments
2007.11.28: "Contractor's Specials"
2007.11.27: Links and Minifeatures
2007.11.27: Do You Have to Lose Your Home in Bankruptcy?
2007.11.24: New Family Member!
2007.11.21: Links and Minifeatures 11 21 Wednesday
2007.11.21: Move Up Transactions Don't Just Happen
2007.11.20: Links and Minifeatures 11 20 Tuesday
2007.11.20: Lender Paid Mortgage Insurance or Regular PMI?
2007.11.19: Links and Minifeatures 11 19 Monday
2007.11.19: How to Avoid A Repeat of the Housing Market Mess
2007.11.16: What Do I Really Need To Know To Buy a House and Get A Loan?
2007.11.15: The Last Time I'm Going to Write About Blame for the Housing Market Mess
2007.11.14: Links and Minifeatures 11 14 Wednesday
2007.11.13: Transaction Case Study
2007.11.12: Project Valour IT
2007.11.12: Working with Multiple Agents for a Purchase
2007.11.08: Links and Minifeatures 11 08 Thursday
2007.11.08: Cheerleaders versus Analysts in Real Estate
2007.11.07: The Consumer Focused Carnival of Real Estate
2007.11.06: After You Sign Documents, Can You Cancel?
2007.11.05: Listing: Understand Your Target Market
2007.11.04: Links and Minifeatures 11 04 Sunday
2007.11.04: What Would I Buy With A Million Dollars?
2007.11.01: Links and Minifeatures 11 01 Thursday
2007.11.01: Loan Rates for Low Income Families
2007.10.31: Sellers Cutting Their Own Throat In A Buyer's Market
2007.10.30: Adding People to Title for Multiple Residence Property
2007.10.29: Real Estate: Know What Can Be Fixed and What Can't, What's Profitable and What Isn't
2007.10.28: San Diego County Fire October 28, 2007
2007.10.28: Mineral Rights: They Can't Sell What They Don't Own
2007.10.27: San Diego County Fire Information October 27, 2007
2007.10.26: San Diego County Fires October 26th 2007 (UPDATE 2 1710)
2007.10.26: Links and Minifeatures 10 26 Friday
2007.10.26: "Fixes" for the Mortgage Meltdown - You Can't Keep A Bad Idea Down
2007.10.25: San Diego County Fires October 25, 2007 (UPDATE 4 2010)
2007.10.24: San Diego County Fire Information October 24th 2007 (UPDATE 5 1950)
2007.10.24: Consumer Focused Carnival of Real Estate
2007.10.23: San Diego County Fire October 23, 2007 (UPDATED 1955)
2007.10.23: Failure to Disclose a Known Material Fact to Buyers
2007.10.22: San Diego County On Fire (UPDATED 20:30)
2007.10.22: The Tollbooth Model of Real Estate Agency
2007.10.18: Links and Minifeatures 10 18 Thursday
2007.10.18: Mortgage Foreclosure and Taking of Other Assets
2007.10.17: Links and Minifeatures 10 17 Wednesday
2007.10.17: Seller's Failure to Disclose a Pending Assessment
2007.10.16: Retroactive Loan Qualification Problems After Recording
2007.10.15: Links and Minifeatures 10 15 Monday
2007.10.15: Economics of Home Ownership in High Density Areas
2007.10.14: Links and Minifeatures 10 14 Sunday
2007.10.12: Bankruptcy and Avoiding Foreclosure
2007.10.11: Links and Minifeatures 10 11 Thursday
2007.10.11: The Secrets to Good Transactions
2007.10.10: Links and Minifeatures 10 10 Wednesday
2007.10.10: Commercial Message
2007.10.10: Consumer Focused Carnival of Real Estate
2007.10.09: Guidelines for Consumer Focused Carnival of Real Estate
2007.10.09: Links and Minifeatures 10 09 Tuesday
2007.10.09: Wanting a More Expensive Property Than You Can Really Afford
2007.10.08: Problems with Exclusive Listings
2007.10.05: Links and Minifeatures 10 05 Friday
2007.10.04: Links and Minifeatures 10 04 Thursday
2007.10.04: Investors Aren't The Only Ones Who Can Fix Ugly Properties
2007.10.03: The "We'll Keep You In Your Property" Scam
2007.10.02: Links and Minifeatures 10 02 Tuesday
2007.10.02: Full Circle: Back to More Traditional Lending Standards
2007.10.01: The Seller Always Knows More About the Property Than the Buyer
2007.09.28: Links and Minifeatures 09 28 Friday
2007.09.26: Links and Minifeatures 09 26 Wednesday
2007.09.26: Trying to Rehabilitate the Negative Amortization Loan - NOT!
2007.09.25: Links and Minifeatures 09 25 Tuesday
2007.09.24: Why the Real Estate Buyers Agent's Commission is Paid by the Seller
2007.09.23: Low Equity (or Worse!) Relocations in a Buyer's Market
2007.09.20: Links and Minifeatures 09 20 Thursday
2007.09.19: The Affordability of Property in San Diego September 2007
2007.09.18: News From The Front: House Passes HR 1852
2007.09.18: Will Agents List My Property if I Owe More Than It's Worth?
2007.09.17: Links and Minifeatures 09 17 Monday
2007.09.17: Realtor and Loan Officer Responsibility: Can the Client Afford The Property?
2007.09.16: Should Lenders Be Permitted to Sell Real Estate?
2007.09.14: Real Estate Loans: What If One Spouse Has a Bad Credit Score?
2007.09.12: Links and Minifeatures 09 12 Wednesday
2007.09.12: Consumer Focused Real Estate Carnival
2007.09.11: Listing Agents Claiming There Are Multiple Offers in a Buyer's Market
2007.09.10: Links and Minifeatures 09 10 2007 (Monday)
2007.09.10: 100% Financing or Low Down Payment or Low Equity: PMI May Be The Only Option
2007.09.09: Refinancing Out of A Negative Amortization Loan Before The Penalty Expires
2007.09.07: Progress Report
2007.09.04: Aggregators and Sidebars
2007.09.01: Domain Pointed to New Host
2007.08.30: Links and Minifeatures 08 30 Thursday
2007.08.29: Consumer Focused Real Estate Carnival
2007.08.23: Good Intentions and Over-Extended Homeowners
2007.08.22: Links and Minifeatures 08 22 Wednesday
2007.08.22: Down Payment At Purchase or Wait Until Later?
2007.08.21: There's Nothing Sacred About Range Pricing in Real Estate
2007.08.17: Links and Minifeatures 08 17 Friday
2007.08.16: Service Interruptions
2007.08.15: Links and Minifeatures 08 15 Wednesday
2007.08.13: Links and Minifeatures 08 13 Monday
2007.08.13: Listing Agents and Pre-Approvals or Pre-Qualifications
2007.08.12: Negative Amortization Loans - Don't Panic!
2007.08.09: Links and Minifeatures 08 09 Thursday
2007.08.08: Links and Minifeatures 08 08 Wednesday
2007.08.08: San Diego Real Estate Market Prognosis August 2007
2007.08.07: Real Estate Loan Market August 2007: Subprime Meltdown Continues
2007.08.06: Links and Minifeatures 08 06 Monday
2007.08.06: Competing Offers From The Same Agent
2007.08.05: Developers and Conditional Incentive Money to Use Their Lender
2007.08.04: Links and Minifeatures 08 04 Saturday
2007.08.04: Is a VA Loan a Good Deal?
2007.07.31: Links and Minifeatures 07 31 Tuesday
2007.07.30: Links and Minifeatures 07 30 Monday
2007.07.26: Links and Minifeatures 07 26 Thursday
2007.07.26: How Can You Tell If A Buyer is Qualified?
2007.07.25: Links and Minifeatures 07 25 Wednesday
2007.07.24: Links and Minifeatures 07 24 Tuesday
2007.07.24: Pre-Payment Penalties Expiring and Rate Locks
2007.07.23: Why You Want A Buyers Agent To Deal With Developers
2007.07.22: Financing Tricks and What You Can Afford
2007.07.20: Links and Minifeatures 07 20 Friday
2007.07.18: Links and Minifeatures 07 18 Wednesday
2007.07.18: "My Payment Is Too High and I Can't Make It"
2007.07.17: You Must Be Willing To Act in Real Estate
2007.07.16: Links and Minifeatures 07 16 Monday
2007.07.16: Whatever the New Trick in Loans is, It's an Attempt to Keep From Competing Based Upon Price
2007.07.15: Buyer's Appraisal versus Seller's Appraisal
2007.07.13: Links and Minifeatures 07 13 (Friday the 13th!)
2007.07.12: Links and Minifeatures 07 12 Thursday
2007.07.11: Links and Minifeatures 07 11 Wednesday
2007.07.11: Larger Loan Amounts: Tighter Rules for Lending
2007.07.10: Links and Minifeatures 07 10 Tuesday
2007.07.10: Special Programs Means Potential Special Problems
2007.07.09: Investment Risk and Paying off the Mortgage Early
2007.07.08: How Easy Scams Are
2007.07.07: Links and Minifeatures 07 07 Saturday
2007.07.05: Just Because Compensation for a Loan Isn't Disclosed Doesn't Mean It's Free
2007.07.04: Links and Minifeatures 07 04 Happy Independence Day!
2007.07.03: Considering Condos, Townhomes, and PUDs
2007.07.02: Links and Minifeatures 07 02 Monday
2007.07.02: Real Estate is More Local Than Most People Think
2007.07.01: Missing a Deadline to Counter
2007.06.29: Links and Minifeatures 06 29 Friday
2007.06.27: Links and Minifeatures 06 27 Wednesday
2007.06.27: There's No Real Way to Take The Complexity Out of Real Estate
2007.06.26: Links and Minifeatures 06 26 Tuesday
2007.06.26: Why The Higher Rate Loan Is Often Better
2007.06.25: Money You Spend Before You Buy Real Estate
2007.06.24: Undisclosed Marriage or Domestic Partnership and Title
2007.06.22: Vile Misrepresentations Debunked
2007.06.21: Links and Minifeatures 06 21 Thursday
2007.06.21: The Division of Labor Between Buyers and Their Agents
2007.06.20: Straw Buyers and Their Liabilities
2007.06.18: Lowballing versus "Junk Fees"
2007.06.17: Dual Agency and Sellers Wanting to Keep a Buyer's Deposit
2007.06.15: Links and Minifeatures 06 15 Friday
2007.06.14: Don't Roll Mortgage Refinance Costs Into Your Balance If You Wouldn't Pay Them Cash
2007.06.13: Links and Minifeatures 06 13 Wednesday
2007.06.13: Builder Upgrades
2007.06.12: Links and Minifeatures 06 12 Tuesday
2007.06.12: Things We Should Be Asking Our Presidential Candidates
2007.06.12: Market Resilience
2007.06.10: State of The San Diego Market June 2007
2007.06.07: The Best Way To Create Problems In Real Estate
2007.06.06: Links and Minifeatures 06 06 2007 (D-Day!)
2007.06.05: Refinancing with Less Income
2007.06.04: Links and Minifeatures 06 04 Monday
2007.06.04: Weighted Average Cost Of Capital
2007.06.02: Recent Recreational Reading
2007.06.01: Links and Minifeatures 06 01 Friday
2007.06.01: Refinancing When You're Upside Down on the Mortgage
2007.05.31: Links and Minifeatures 05 31 Thursday
2007.05.31: Rebates: Be Careful Not to Commit Fraud
2007.05.30: Links and Minifeatures 05 30 Wednesday
2007.05.30: Why I Don't Like the Immigration Bill
2007.05.30: Deciding You Don't Want A Particular Mortgage Loan
2007.05.29: Do I Need A Deposit With 100% Financing Offers?
2007.05.28: Power of Attorney for Real Estate Transactions
2007.05.24: Real Estate Numbers: Calculators and Spreadsheets Are Your Friend But They Have Limits
2007.05.23: There's No Such Thing as Full Service Agency for a Discount Price
2007.05.22: Things to Consider If You Can't Afford Your Payment
2007.05.14: Links and Minifeatures 05 14 Monday
2007.05.09: Links and Minifeatures 05 09 Wednesday
2007.05.09: The Biggest Hurdle in Mortgage Loan Qualification: Existing Debt
2007.05.08: Reading Property Advertisements: Many Grains of Salt
2007.05.07: Links and Minifeatures 05 07 Monday (Carnivals)
2007.05.07: Gravity Is Not a Major Determinant Of Housing Prices
2007.05.06: Mortgage Loan Advertisements: Horrible and Getting Worse
2007.05.03: Links and Minifeatures 05 03 Thursday (Still just carnivals)
2007.05.02: Pre-Payment Penalties If Your Loan Is Sold To Another Lender
2007.05.01: Hourly Pay Instead of Commission For Agents
2007.05.01: Links and Minifeatures 04 30 Monday (Carnival Links)
2007.04.30: Property Cash Flow Versus Balance Sheet Accounting
2007.04.29: Loan Pre-Approval Means Nothing
2007.04.26: Real Estate Sellers Giving A Buyer Cash Back
2007.04.24: Links and Minifeatures 04 24 Tuesday
2007.04.24: State Of The San Diego Market April 2007
2007.04.23: Links and Minifeatures 04 23 Monday
2007.04.23: Some Risks of Lender Owned Properties (REO)
2007.04.22: Buying Real Estate Without A Source of Income Or When You Are Changing Careers
2007.04.20: Misplaced Improvements in Real Estate
2007.04.19: Prepayment Penalty Now or Wait to Refinance Until It Expires?
2007.04.16: Links and Minifeatures 04 16 Monday
2007.04.16: Understanding Loans: When There Is A Problem, It's Good If They Tell You Right Away
2007.04.15: Links and Minifeatures 04 15 Sunday
2007.04.12: What Can You Recover From the Title Company?
2007.04.04: Links and Minifeatures 04 04 Wednesday (Carnival Link)
2007.04.02: Links and Minifeatures 04 02 Monday (Just Carnivals)
2007.04.02: Real Estate Boycotts Don't Make Sense
2007.04.01: Links and Minifeatures 04 01 Sunday (No Fooling)
2007.03.31: Refinancing: Focus on Interest Rate and the Cost of The Loan
2007.03.30: ALWAYS Be Ready to Show (or At Least Willing)!
2007.03.29: Why Refinances Tend To Have Lower Payments
2007.03.28: Links and Minifeatures 03 28 Wednesday
2007.03.26: Links and Minifeatures 03 26 Monday
2007.03.26: How to Effectively Shop For A Listing Agent (Part II)
2007.03.25: How to Effectively Shop For A Listing Agent (Part I)
2007.03.23: Links and Minifeatures 03 23 Friday
2007.03.21: Links and Minifeatures 03 21 Wednesday
2007.03.21: Low Balling - Expect a Rejection
2007.03.20: How to Build Credit So You Qualify for a Home Loan
2007.03.19: Links and Minifeatures 03 19 Monday
2007.03.19: Bogus Claims = Higher Premiums = People Cancelling Homeowner's Insurance
2007.03.19: How Can A Temporary Buydown Help Realtors and Agents?
2007.03.18: How To Effectively Shop for A Real Estate Loan
2007.03.15: Links and Minifeatures 03 15 Wednesday
2007.03.15: Some Perspective on the Sub-Prime Lending Meltdown
2007.03.15: Should You Pay Off Your Mortgage Faster?
2007.03.13: Seller Carryback Financing Issues
2007.03.12: Links and Minifeatures 03 12 Monday
2007.03.12: How Are You Going To Compare Loans Without Specific Numbers?
2007.03.11: How to Effectively Shop for a Buyer's Agent
2007.03.09: Links and Minifeatures 03 09 Friday
2007.03.09: The Escrow Process and Reasons for Falling Out
2007.03.09: Links and Minifeatures 03 08 Thursday
2007.03.08: "You've Got Something I'm Interested In, But I Don't Want to Pay You"
2007.03.07: What Lenders Talk About Isn't Important, It's What They Deliver
2007.03.06: Links and Minifeatures 03 06 Tuesday
2007.03.06: Listing Agreements: Exclusive Right to Sell Versus Exclusive Agency
2007.03.05: Links and Minifeatures 03 05 Monday
2007.03.05: An Owner Occupied Loan Does Not Mean You Have to Refinance If You Move Out
2007.03.04: What Does Escrow Do?
2007.03.03: Links and Minifeatures 03 03 Saturday
2007.03.02: Links and Minifeatures 03 02 Friday
2007.03.01: It Not Only Rolls Down Hill, It's Starting to Cascade
2007.03.01: Links and Minifeatures 03 01 Thursday
2007.02.28: Links and Minifeatures 02 28 Thursday
2007.02.28: Magical Thinking About Mortgage Loans
2007.02.27: Links and Minifeatures 02 27 Tuesday
2007.02.27: Professional Referrals in Real Estate and Loans
2007.02.26: Negotiations After the Contract: Seller's Allowances and Fixing Problems
2007.02.25: Refinancing When The Rates Are Higher
2007.02.24: Links and Minifeatures 02 24 Saturday
2007.02.22: Links and Minifeatures 02 22 (Happy Birthday Mr. President!)
2007.02.21: Links and Minifeatures 02 21 Wednesday (Fat to Ashes - If Only!)
2007.02.21: When to Get A Buyer's Agent and Start Looking
2007.02.20: Rental History, Payment Shock, and Mortgage Applications
2007.02.19: Links and Minifeatures 02 19 Monday
2007.02.19: Changing Lenders After the Loan is Approved
2007.02.18: There is No Such Thing as a Risk Free Investment
2007.02.18: Non-Recourse Purchase Money Loans in California
2007.02.16: Flight Delays
2007.02.16: Mississippi to State Farm: You Can't Win, You Can't Break Even, and We're Not Going To Let You Leave The Game
2007.02.15: Real Estate: General Education versus Specific Expertise
2007.02.14: Links and Minifeatures 02 14 Wednesday (Happy Massacre Day!)
2007.02.14: Games Lenders Play, Part VII - Selling Mortgage Accelerator Programs
2007.02.13: Links and Minifeatures 02 13 Tuesday
2007.02.13: What Happens After You Buy A Vampire Property?
2007.02.12: Links and Minifeatures 02 12 Monday
2007.02.12: Negative Amortization: Never the Best Option, but Sometimes the Least Bad
2007.02.10: Probate and Foreclosure and Planning Ahead
2007.02.08: Stand Alone versus Piggyback Second Trust Deeds
2007.02.07: Demands Listing Agents Make That Aren't in Their Clients Best Interest
2007.02.05: Racism, or Simply Trying to Muzzle the Opposition?
2007.02.05: Links and Minifeaures 02 05 Monday
2007.02.05: Pre-Payment Penalties and Second Trust Deeds
2007.02.04: Real Estate: Getting From Where You Are To Where You Want To Be
2007.02.03: Disclosure Issues and Failure to Disclose
2007.02.01: Disagreements About the Size of the Bubble
2007.01.31: Links and Minifeatures 01 31 Wednesday
2007.01.31: The Lure and the Trap of Debt Consolidation - and the Possible Benefits
2007.01.31: Humorous test
2007.01.30: Stupid Negotiating Tricks: Appeal to Pity (or Falling for Appeal to Pity)
2007.01.29: Links and Minifeatures 01 29 Monday (Carnivals!)
2007.01.29: RINO Sightings
2007.01.28: Links and Minifeatures 01 28 Sunday
2007.01.28: The High Cost of Waiting To Buy A Home
2007.01.27: The Nature of Estate Planning
2007.01.27: Links and Minifeatures 01 26 Friday
2007.01.25: Vampire Properties
2007.01.24: Links and Minifeatures 01 24 Wednesday
2007.01.24: Real Estate Purchase Negotiability
2007.01.23: Links and Minifeatures 01 23 Tuesday
2007.01.23: "I'm Not Racist But Everyone Else Is"
2007.01.23: What to Do When Your Loan is Declined
2007.01.22: Links and Minifeatures 01 22 Monday
2007.01.22: What Happens To Equity During and After Foreclosure?
2007.01.19: Links and Minifeatures 01 19 Friday
2007.01.19: Save For A Down Payment or Buy Now? (Part 2 of 2)
2007.01.18: Links and Minifeatures 01 18 Thursday
2007.01.18: Save For A Down Payment or Buy Now? (Part 1 of 2)
2007.01.18: Links and Minifeatures 01 17 Wednesday
2007.01.17: California's Home Equity Sales Contract Act
2007.01.16: Links and Minifeatures 01 16 Tuesday
2007.01.15: Links and Minifeatures 01 15 Monday (I Have a Dream)
2007.01.15: Buying or Selling Subject to Existing Deeds of Trust
2007.01.12: Deferred Payment Mortgages - Not As Bad As I Expected
2007.01.11: Hurricane Katrina: Homeowner's Insurance and Wind vs. Water Damage
2007.01.10: Links and Minifeatures 01 10 Wednesday
2007.01.09: Links and Minifeatures 01 08 Monday
2007.01.08: Just Because You Don't Believe In an Anthropomorphic Deity Doesn't Mean You're Not Religious
2007.01.06: House Thing
2007.01.04: Links and Minifeatures 01 04 Thursday (46?)
2007.01.04: Don't Let Cash Make You Stupid About Real Estate
2007.01.03: You Are Never Obligated To Sell to a Given Offer
2007.01.03: Links and Minifeatures 01 02 Tuesday
2007.01.02: Eminent Domain and Redevelopment Areas
2007.01.02: The Three Purposes of Real Estate Loans Defined
2007.01.02: Links and Minifeatures 01 01 Monday (Happy New Year!)
2006.12.31: What a Difference 30 years Make!
2006.12.31: What Exactly do First Time Home Buyers Need?
2006.12.29: Unsustainable Loans You Should Not Use to Purchase a Property
2006.12.28: Links and Minifeatures 12 28 Thursday
2006.12.28: Woodward's Ford Interview: Politically Begging the Question
2006.12.28: Why RIGHT NOW Is the Best Time For Buyers
2006.12.28: Gerald R. Ford 1913-2006
2006.12.26: Mortgage Lenders Don't Want to Compete on Price
2006.12.25: Looking Beyond The Bubble: What's Next For Highly Appreciated Markets
2006.12.24: Buying Out A Partner - With Complications
2006.12.23: Lump Sum Payments on a Mortgage and Alternative Investments
2006.12.22: Clients a Good Agent Does Not Want
2006.12.21: Links and Minifeatures 12 21 Thursday
2006.12.21: Choosing Buyer's Agents By Commission Rebate: Penny Wise, Pound Foolish
2006.12.20: Company Stock in Qualified Retirement Accounts
2006.12.19: What Happens If I Don't Sign Mortgage Documents?
2006.12.15: Zillow Post for First Time Buyers
2006.12.14: Links and Minifeatures 12 14 Thursday
2006.12.14: Can I Afford This Property?
2006.12.13: Links and Minifeatures 12 13 Wednesday
2006.12.13: What Happens When You Over-Price Real Estate?
2006.12.11: What is Reasonable Loan Officer Compensation?
2006.12.07: Links and Minifeatures 12 07 Remember Pearl Harbor!
2006.12.07: Mortgage Accelerator Programs: A Good Basic Idea, But the Devil Is In the Details
2006.12.06: Links and Minifeatures 12 06 Wednesday
2006.12.05: Selling In Buyer's Markets: Do You Need to Sell Or Are You Part of The Problem?
2006.12.04: Online Mortgage Quotes
2006.12.03: Passive Asset Allocation
2006.12.01: Links and Minifeatures 12 01 Friday
2006.12.01: You Only Need Negative Amortization Disclosures on Negative Amortization Loans
2006.11.30: Selling to Avoid Foreclosure in a Buyer's Market
2006.11.29: What Happens When You Can't Make Your Real Estate Loan Payment
2006.11.29: Solicitation for Fraud and Conspiracy, or Entrapment?
2006.11.28: Joint Loans for Unmarried People
2006.11.27: Links and Minifeatures 11 27 Monday
2006.11.27: Changes in Lender Attitudes: The Push Towards Bigger Loans
2006.11.24: Links and Minifeatures 11 24 Black Friday
2006.11.23: How Do You Think About Money?
2006.11.21: Joint Loans for Couples: How Does the Qualification Process Work
2006.11.20: Links and Minifeatures 11 20 Monday
2006.11.18: Naming Beneficiaries - Do It, and Keep Them Current
2006.11.17: Getting a Loan Provider to Agree to be a Backup Loan
2006.11.16: Links and Minifeatures 11 16 Thursday
2006.11.16: The Fifth Amendment and the "Right" to Medical Care
2006.11.16: The Perfect Time To Buy
2006.11.15: Links and Minifeatures 11 15 Wednesday
2006.11.15: Title Searches Missing a Lien
2006.11.13: Links and Minifeatures 11 13 Monday
2006.11.13: Buyers Who Don't Want A Buyer's Agent
2006.11.12: Links and Minifeatures 11 12 Sunday
2006.11.11: Project VALOUR IT
2006.11.11: Listing Agents Who Want Both Halves of The Commission
2006.11.10: Can a Lender Legally Stop Loan Funding After Signing?
2006.11.09: Thoughts on the Elections
2006.11.09: First Time Home Buyer Assistance Programs: Locally Based
2006.11.07: Election Night Musings
2006.11.07: Links and Minifeatures 11 07 (Still Time to Vote!)
2006.11.06: Links and Minifeatures 11 06 Monday
2006.11.06: From How Much You Make to A Payment You Can Afford
2006.11.04: Links and Minifeatures 11 04 Saturday
2006.11.03: Upon the Politics of Terrorists and Fighting Terrorism
2006.11.03: Upon Publishing Iraqi Data Regarding Nuclear Weapons on the Web
2006.11.01: Links and Minifeatures 11 01 Wednesday
2006.11.01: Lenders Holding Your Money Hostage
2006.10.31: Links and Minifeatures 10 31 Happy Halloween
2006.10.30: Contingent Sales in a Buyer's Market
2006.10.29: Sellers Lending to Buyers and Selling the Note
2006.10.27: Links and Minifeatures 10 27 Friday
2006.10.27: Links and Minifeatures 10 26 Thusday
2006.10.26: Never Choose A Loan (or a House) Based Upon Payment
2006.10.25: Can You Get A Mortgage On a Condemned House?
2006.10.24: Altering the Mortgage Contract: The Lender trying To Add A Prepayment Penalty After the Fact
2006.10.24: Links and Minifeatures 10 23 Monday (late)
2006.10.23: RINO Sightings
2006.10.22: Upon the Prisoners at Guantanamo
2006.10.20: Links and Minifeatures 10 20 Friday
2006.10.19: Links and Minifeatures 10 19 Thursday
2006.10.19: First Time Buyer Programs: The Mortgage Credit Certificate (MCC)
2006.10.18: Paying Off Old Past Due Bills Without Hurting Your Credit
2006.10.17: Investing Exclusively in Real Estate?
2006.10.16: Links and Minifeatures 10 16 Monday
2006.10.16: Lynne Stewart Gets Slap on Wrist, Claims It's Persecution
2006.10.16: Trying to Hurry Real Estate - Don't
2006.10.15: Republican or Democrat in 2006: Lazy Larcenous Slugs or Partisan, Obstructionist Civilization Hating Suicide Artists Who Are Also Lazy Larcenous Slugs?
2006.10.15: Links and Minifeatures 10 15 Sunday
2006.10.13: Links and Minifeatures 10 13 Friday the 13th!
2006.10.13: A Life Lesson, and a Professional One
2006.10.12: Why the Current State of New Developer Housing
2006.10.11: Links and Minifeatures 10 11 Wednesday
2006.10.11: Time for Listing Agents To Earn Their Money
2006.10.10: Why Do Lenders Sell Mortgages?
2006.10.09: Links and Minifeatures 10 09 Monday
2006.10.07: Disability Insurance Considerations
2006.10.06: Links and Minifeatures 10 06 Friday
2006.10.05: Unpaid Liens After The Sale, and Subrogation
2006.10.04: Straw Buyer Fraud
2006.10.03: Links and Minifeatures 10 03 Tuesday
2006.10.02: Links and Minifeatures 10 02 Monday
2006.10.02: Flexible College Plan - The State Run 529
2006.09.30: Variable Annuities: Debunking the Ignorant Press
2006.09.29: Links and Minifeatures 09 29 Friday
2006.09.29: Multiple Mortgage Inquiries Do Not Drop Your Credit Score
2006.09.28: Links and Minifeatures 09 28 Thursday
2006.09.27: 100% Financing: Buying A Home With Zero Down Payment
2006.09.26: Forty and Fifty Year Mortgages
2006.09.25: Links and Minifeatures 09 25 Monday
2006.09.25: Should Negative Amortization Loans Be Banned?
2006.09.23: Recent Recreational Reading
2006.09.23: Manufactured, Modular, and Site-Built Homes: How Lending Practices Drive the Sales Market
2006.09.22: Links and Minifeatures 09 22 Friday
2006.09.22: State of the Bleeding Edge San Diego Housing Market
2006.09.22: Undisclosed Short Sales
2006.09.21: Dual Agency: Using the Seller's Agent as Your Buyer's Agent
2006.09.21: Links and Minifeatures 09 20 Wednesday
2006.09.20: Making Certain You Shop Your Mortgage - Whether You Want To Or Not
2006.09.19: Book Review: The Geek Gap By Bill Pfleging and Minda Zetlin
2006.09.18: Links and Minifeatures 09 18 Monday
2006.09.16: The Prerequisites of Investing
2006.09.15: Links and Minifeatures 09 15 Friday
2006.09.15: On the Pope Saying Islam is Violent
2006.09.15: If Your Loan Falls Through
2006.09.14: The Mechanics of Inheriting Real Estate
2006.09.13: Links and Minifeatures 09 13 Wednesday
2006.09.13: Flipping vs Fixing vs Investing
2006.09.12: Why Do I Have to Pay For The Appraisal When I Cancelled Escrow?
2006.09.11: 9/11: Five Years On
2006.09.10: Thoughts on Abolishing Estate Tax
2006.09.10: Links and Minifeatures 09 09 Saturday late
2006.09.08: Why All The Fuss Over Real Estate Transactions?
2006.09.07: Recourse Loans and Non-Recourse Loans
2006.09.06: Links and Minifeatures - Quick Carnival Edition
2006.09.06: What Do You Know That I Don't Know?
2006.09.05: Links and Minifeatures 09 05 Tuesday
2006.09.05: Life Insurance - Proper Prior Planning Prevents...
2006.09.03: What Do I Really Need To Know To Buy a House and Get A Loan?
2006.09.01: Links and Minifeatures 09 01 Friday
2006.09.01: The Situation in the Air Traffic Profession
2006.09.01: Iran Openly Defiant About Nuclear Enrichment
2006.08.31: Why There Is Money in Fixer Properties
2006.08.31: Airing Dirty Laundry: the ComAir Crash
2006.08.30: The Lender's Rule of Mortgage Payments
2006.08.30: Links and Minifeatures 08 29 Tuesday (late)
2006.08.29: Do Furnishings Convey With The Property?
2006.08.28: Links and Minifeatures 08 28 Monday
2006.08.28: The San Diego Zoo and our Wild Animal Park Trip Yesterday
2006.08.27: Links and Minifeatures 08 27 Sunday
2006.08.27: What is the Best Way To Save For A Down Payment?
2006.08.24: Links and Minifeatures 08 24 Thursday
2006.08.23: When You Should Not Buy Real Estate
2006.08.22: Links and Minifeatures 08 22 Tuesday
2006.08.22: Iran Plays the Fabius Card, Again or Still
2006.08.22: How Soon After You Purchase A Home Can You Refinance?
2006.08.21: Relying Upon Reputation: There Are No Silver Bullets
2006.08.20: Links and Minifeatures 08 20 Sunday
2006.08.20: Cash Back From The Seller to the Buyer in Real Estate Sales
2006.08.18: Variable or Range Pricing of Real Estate
2006.08.17: Links and Minifeatures 08 17 Thursday
2006.08.15: What if Your Partner Refuses to Pay Their Share of a Loan or Mortgage (or Won't Pay on Time)?
2006.08.14: Links and Minifeatures 08 14 Monday
2006.08.14: Disasters and the Mortgage
2006.08.13: Is a VA Loan a Good Deal?
2006.08.12: Annuities, Fixed and Variable
2006.08.11: Links and Minifeatures 08 11 Friday
2006.08.11: More on the Foiled Terrorist Plot to Explode Airplanes
2006.08.10: Links and Minifeatures 08 10 Thursday
2006.08.10: Terrorist Plot To Explode Airplanes Foiled
2006.08.10: Option ARMs and Cash Flow
2006.08.10: Links and Minifeatures 08 09 Wednesday
2006.08.09: Why Renting Really Is For Suckers (And What To Do About It)
2006.08.08: Links and Minifeatures 08 08 Tuesday
2006.08.08: "I'll Pay For Your Appraisal" From a Loan Provider
2006.08.07: Links and Minifeatures 08 07 Monday
2006.08.07: Buyer's Markets
2006.08.07: Links and Minifeatures 08 06 Sunday
2006.08.04: Links and Miifeatures 08 04 Friday
2006.08.04: Keeping Silent
2006.08.03: Today's Turkey
2006.08.03: Mutual Funds: What They Are And How They Work
2006.08.02: Issues with Relocation Loans
2006.08.01: What Fees Can You Recover If Your Loan Is Denied?
2006.07.31: Links and Minifeatures 07 31 Monday (Just Carnivals)
2006.07.31: Issues Relating to One Spouse Qualifying For A Loan On Their Own
2006.07.30: Links and Minifeatures 07 30 Sunday
2006.07.30: Democratic Party Stuck at Denial
2006.07.30: My Thoughts on The Situation in Israel and Lebanon and Gaza (July 30th)
2006.07.30: What Pre-Approval Should Mean
2006.07.29: What I Look For In a Mutual Fund Family
2006.07.27: Links and Minifeatures 07 27 Thursday
2006.07.27: Developments in the Middle East (July 27th)
2006.07.27: "We'll Beat Any Quote" in Mortgage Loans
2006.07.27: Links and Minifeatures 07 26 Wednesday
2006.07.26: Zero Cost Real Estate Loans
2006.07.25: Links and Minifeatures 07 25 Tuesday
2006.07.25: I'm Sorry, Did You Think Your Good Faith Estimate (Or Mortgage Loan Disclosure Statement) Meant Anything?
2006.07.24: Carnival of Real Estate
2006.07.23: Loan Cosigners in Real Estate - A Lot of Risk For Not Much Gain
2006.07.23: Links and Minifeatures 07 22 Saturday
2006.07.20: Links and Minifeatures 07 20 Thursday
2006.07.20: Mortgage Life and Disability Insurance
2006.07.19: Loan Documents - Contracts of Adhesion
2006.07.18: Links and Minifeatures 07 18 Tuesday
2006.07.18: What is Loan Amortization?
2006.07.17: Links and Minifeatures 07 17 Monday
2006.07.17: Israeli Response Disproportionate? Absolutely Not!
2006.07.17: Deadlines in Real Estate Transactions
2006.07.16: Incorrect Legal Descriptions on a Trust Deed
2006.07.14: My Favorite Investing Books
2006.07.14: Links and Minifeatures 07 13 Thursday (late)
2006.07.14: My Thoughts on Israel, Gaza, Lebanon, and Iran
2006.07.12: When The Appraisal Is Below The Purchase Price for Real Estate
2006.07.12: Links and Minifeatures 07 11 Tuesday
2006.07.11: Loan Quote Guarantees
2006.07.10: Links and Minifeatures 07 10 Monday
2006.07.10: Volatility: A Regular Investor's Best Friend
2006.07.09: Agents Refusing to Make an Offer on Real Estate
2006.07.08: Links and Minifeatures 07 08 Saturday
2006.07.07: Links and Minifeatures 07 06 Thusday
2006.07.05: Links and Minifeatures 07 05 Wednesday
2006.07.05: Dissecting the "Lending Game"
2006.07.04: Prorated Property Taxes in California
2006.07.03: Links and Minifeatures 07 03 Monday
2006.07.03: Reflections Approaching Independence Day
2006.07.03: Some Free Loan Advice About Real Estate Transactions
2006.07.03: Links and Minifeatures 07 02 Sunday
2006.07.02: Power of Attorney for Real Estate Transactions
2006.07.01: Links and Minifeatures 07 01 Saturday
2006.06.29: Kelo: One Year Later
2006.06.29: Foreclosures - A Good Investment?
2006.06.28: What Are Points and How Do They Work?
2006.06.28: Links and Minifeatures 06 27 Tuesday
2006.06.27: Loans Not Funded
2006.06.26: Links and Minifeatures 06 26 Monday
2006.06.26: RINO Sightings
2006.06.25: Practical Examples - Refinance or Prepayment Penalty?
2006.06.25: Links and Minifeatures 06 24/25 Late Saturday Night/Early Sunday morning
2006.06.22: When The Underwriter Makes A Mistake
2006.06.21: Links and Minifeatures 06 21 Wednesday (Summertime!)
2006.06.21: The Forgotten Interest in Net Neutrality
2006.06.21: Buying Investment Property - An Example of the Issues
2006.06.19: Links and Minifeatures 06 19 Monday
2006.06.19: Let Me Tell You About The Loan You Could Have Had
2006.06.19: Links and Minifeatures 06 18 Sunday
2006.06.18: The Pin That Pops the Housing Bubble?
2006.06.16: Links and Minifeatures 06 16 Friday
2006.06.15: Rate Buydowns
2006.06.14: Links and Minifeatures 06 14 Wednesday
2006.06.14: The Effects of Divorce on Real Estate
2006.06.13: Legal Late Payments on Your Mortgage
2006.06.12: Links and Minifeatures 06 12 Monday
2006.06.12: How To Boost Traffic According to Someone Who Doesn't Get Much (Yet)
2006.06.12: Homesteading and Declaration of Homestead
2006.06.11: Links and Minifeatures 06 11 Sunday
2006.06.11: The Proposed Tax Credit for Homeownership
2006.06.09: Practical Applications: Credit Cards versus Home Equity Line Of Credit
2006.06.09: Links and Minifeatures 06 08 Thursday
2006.06.07: Links and Minifeatures 06 07 Wednesday
2006.06.07: Housing Bubble Death Trap
2006.06.06: Read The Full Note
2006.06.05: Links and Minifeatures 06 05 Monday
2006.06.05: Failures of Imagination?
2006.06.05: Buyer's Basic Guide to The Foreclosure Market and REOs
2006.06.04: Shopping for Long Term Care Insurance - Who Should and Shouldn't Buy, and Policy Characteristics
2006.06.04: Links and Minifeatures 06 03 Saturday (late)
2006.06.03: Long Term Care Insurance: Non-Tax-Qualified versus Tax-Qualified, and Partnership
2006.06.02: Rejected Offers to Purchase Real Estate
2006.06.01: Links and Minifeatures 06 01 Thursday
2006.06.01: Developments in the Iranian Situation
2006.06.01: Property Taxes and Whether They Were Paid Through Escrow
2006.05.31: Can Someone Be Added to an Existing Mortgage?
2006.05.31: What Can You Recover From the Title Company?
2006.05.30: Links and Minifeatures 05 30 Tuesday
2006.05.29: Recurring and Nonrecurring Closing Costs
2006.05.26: Buyer's Agents: What Do They Do?
2006.05.25: Links and Minifeatures 05 25 Thursday
2006.05.24: Links and Minifeatures 05 24 Wednesday
2006.05.24: Why I Will Never Do Business With Dell Again
2006.05.23: Links and Minifeatures 05 23 Tuesday
2006.05.23: President Bush and Emmanuel Goldstein
2006.05.23: Available Real Estate Loan Types
2006.05.22: Links and Minifeatures 05 22 Monday
2006.05.22: Debt Consolidation Services
2006.05.21: Changes
2006.05.21: Long Term Care Issues
2006.05.19: Links and Minifeatures 05 19 Friday
2006.05.19: Real Estate Boycotts
2006.05.18: Links and Minifeatures 05 18 Thursday
2006.05.18: Appraisal Fraud
2006.05.17: Saving Money by Refinancing Your Mortgage
2006.05.16: Links and Minifeatures 05 16 Tuesday
2006.05.16: Inducements to Use A Particular Lender for a Purchase
2006.05.16: Links and Minifeatures 05 15 Monday (late)
2006.05.14: The Fallacies of Index Fund Investing
2006.05.12: Winning The Election of 2006 and Beyond
2006.05.12: Making Prepayment Penalties Illegal
2006.05.11: Links and Minifeatures 05 11 Thursday
2006.05.11: Cold Hard Numbers
2006.05.09: Links and Minifeatures 05 09 Tuesday
2006.05.09: Refinancing Has No Effect Upon Property Taxes
2006.05.08: Links and Minifeatures 05 08 Monday
2006.05.08: Changing the Contract
2006.05.05: The Escrow Process and Reasons for Falling Out
2006.05.04: Southern California Real Estate and Loan Market Outlook
2006.05.04: Links and Minifeatures 05 04 Thursday
2006.05.04: Transparency, National Security and Shield Laws
2006.05.04: What Does Escrow Do?
2006.05.03: Probate Without Money
2006.05.02: Carnival of Liberty
2006.05.01: Links and Minifeatures 05 01 Monday (Mayday!)
2006.05.01: FSBO Horror and Failure to Disclose Property Defects
2006.04.30: Mortgage Closing Costs: What is Real and What is Junk?
2006.04.28: Links and Minifeatures 04 28 Friday
2006.04.24: Links and Minifeatures 04 24 Monday
2006.04.24: Timeshares, Pro and Con (mostly Con)
2006.04.22: Links and Minifeatures 04 22 Saturday
2006.04.22: The Perfect War
2006.04.22: For Sale By Owner - Working Directly With a Loan Officer
2006.04.21: Tax treatment of Annuity Withdrawals
2006.04.20: Links and Minifeatures 04 20 Thursday
2006.04.20: Disclosure Issues and Failure to Disclose
2006.04.19: Signing Off Loan Conditions
2006.04.17: Real Estate Purchase Negotiability
2006.04.15: Links and Minifeatures 04 15 Saturday (Abolish Witholding!)
2006.04.14: Removing Private Mortgage Insurance (PMI)
2006.04.12: Links and Minifeatures 04 12 Wednesday
2006.04.12: Investing in Second Trust Deeds
2006.04.11: Did That Slap On The Back Leave a Knife?
2006.04.10: Buy Now vs. Wait: Some Practical Hypotheticals
2006.04.07: Helping Yourself Qualify for a Home Loan
2006.04.06: Links and Minifeatures 04 06 Thursday
2006.04.06: Approaching the Loan Application Process - What Loan Will You Qualify For?
2006.04.05: What is Real Estate Worth?
2006.04.04: Links and Minifeatures 04 04 Tuesday
2006.04.04: The Perceived Will to Fight
2006.04.04: The State of Our Educational System
2006.04.04: Buying Below Market
2006.04.03: Links and Minifeatures 04 03 Monday
2006.04.03: Leverage - Making a Decent Investment Spectacular
2006.04.02: Appraisers Speak Out Against "Make The Deal"
2006.04.02: Links and Minifeatures 04 01 Saturday (No Fooling!)
2006.03.31: Looking Beyond The Bubble: What's Next For Highly Appreciated Markets
2006.03.30: Probate and Foreclosure and Planning Ahead
2006.03.29: Links and Minifeatures 03 29 Wednesday
2006.03.29: Lump Sum Payments on a Mortgage and Alternative Investments
2006.03.28: Carnival of Liberty
2006.03.27: Links and Minifeatures 03 27 Monday
2006.03.27: The Illegal Immigration Debate
2006.03.27: Loan Rate Sheets: An example, and the games lenders play
2006.03.25: Seller Paid Closing Costs (or, When Your Prospective Buyer Has No Money)
2006.03.24: Short Payoffs
2006.03.23: U.S. Hiring Hong Kong Co. to Scan Nukes
2006.03.23: Links and Minifeatures 03 23 Thursday
2006.03.23: Related Party Transfers of Real Estate - Family, Corporate, or Partners
2006.03.22: Links and Minifeatures 03 22 Wednesday
2006.03.22: "Lenders Are All The Same"
2006.03.21: Links and Minifeatures 03 20 Monday
2006.03.18: Losing Property Value with Highly Leveraged Properties
2006.03.17: Links and Minifeatures 03 17 Friday Happy St. Patrick's Day
2006.03.17: Critics and the War on Terror
2006.03.16: Links and Minifeatures 03 15 Wednesday - Beware the Ides of March!
2006.03.16: Media a Privileged Class? I Don't Think So!
2006.03.15: "Banks Give Better Deals Than Brokers"
2006.03.14: Company Stock in Retirement Accounts
2006.03.13: Links and Minifeatures 03 13 Monday
2006.03.13: RINO Sightings
2006.03.12: Housing Bubble
2006.03.10: Links and Minifeatures 03 10 Friday
2006.03.10: Passive Asset Allocation
2006.03.09: Who's Next
2006.03.08: Links and Minifeatures 03 08 Wednesday
2006.03.08: Iran: Confront Now, or They WIll Confront The World Later
2006.03.08: Joint Loans
2006.03.07: Links and Minifeatures 03 07 Tuesday
2006.03.07: Loan Qualification Standards - "Loanbusters"
2006.03.06: Links and Minifeatures 03 06 Monday
2006.03.06: The Basics of 1031 Exchanges
2006.03.05: Links and Minifeatures 03 05 Sunday
2006.03.03: Links and Minifeatures 03 03 Friday
2006.03.03: Home Loans For Illegal Immigrants
2006.03.02: Links and Minifeatures 03 02 Thursday
2006.03.01: Links and Minifeatures 03 01 Wednesday
2006.03.01: The Manifesto in Defiance of Islamism
2006.03.01: Fixing A Bad Mortgage Sale
2006.02.28: How Do You Think About Money?
2006.02.27: Links and Minifeatures 02 27 Monday
2006.02.27: Getting Out of Paying Pre-Payment Penalties
2006.02.26: Title Insurance, or Preventing Fifty Ways to Lose Your Money
2006.02.24: Links and Minifeatures 02 24 Friday
2006.02.24: Hillary Clinton Runs Hard Left
2006.02.23: Bread and Circuses and Entrenched Interests
2006.02.23: Naming Beneficiaries - Do It, and Keep Them Current
2006.02.22: Links and Minifeatures 02 22 Wednesday
2006.02.21: Links and Minifeatures 02 21 Tuesday
2006.02.21: Mortgages and RAMs in Later Life
2006.02.20: "All Mortgage Money Comes From The Same Place"
2006.02.19: Links and Minifeatures 02 19 Sunday Part II
2006.02.19: Links and Minifeatures 02 19 Sunday
2006.02.19: What Drives Loan Rates?
2006.02.16: Links and Minifeatures 02 16 Thursday
2006.02.16: Fear and Greed, or How Did The Housing Bubble Get So Big?
2006.02.15: Links and Minifeatures 02 15 Wednesday
2006.02.15: The Biggest Risk
2006.02.14: Issues with Family Transfers of Real Estate
2006.02.13: Links and Minifeatures 02 13 Monday
2006.02.12: Links and Minifeatures 02 12 Sunday
2006.02.12: Looking For Loans In All The Wrong Places
2006.02.10: Facts Of Life On Buying and Selling "Without an Agent"
2006.02.09: Links and Minifeatures 02 09 Thursday
2006.02.09: Is This Supposed to be Helpful Legislation? (Illinois)
2006.02.08: Links and Minifeatures 02 08 Wednesday
2006.02.07: Dammit Jim, I'm a Real Estate Agent Not A Doctor!
2006.02.07: Variable Annuities: Debunking the Ignorant Press
2006.02.06: Links and Minifeatures 02 06 Monday
2006.02.06: Impound Accounts Facts and FAQs
2006.02.05: The Prerequisites of Investing
2006.02.04: Links and Minifeatures 02 04 Saturday
2006.02.04: Thoughts on Abolishing Estate Tax
2006.02.03: Should I Buy A Home? Part 3: Consequences
2006.02.02: Links and Minifeatures 02 02 Groundhog Thursday
2006.02.02: Should I Buy A Home? Part 2: Process
2006.02.01: Links and Minifeatures 02 01 Wednesday
2006.02.01: The Politics of National Defense
2006.02.01: Should I Buy A Home? Part 1: Preparation
2006.01.31: The Supreme Court and Distortion of the Political Process
2006.01.31: Lenders and Insurance Proceeds
2006.01.30: Links and Minifeatures 01 30 Monday
2006.01.30: Life Insurance - Proper Prior Planning Prevents...
2006.01.30: Links and Minifeatures 01 29 Sunday
2006.01.29: The Consequences of Not Shopping Multiple Lenders
2006.01.28: Games Lenders Play, Part V
2006.01.27: Smoker's Vs. Non-Smoker's Rights
2006.01.26: Calif. Says Secondhand Smoke a Pollutant
2006.01.26: Links and Minifeatures 01 26 Thursday
2006.01.26: Bridge Loans
2006.01.25: Links and Minifeatures 01 25 Wednesday
2006.01.24: Links and Minifeatures 01 24 Tuesday
2006.01.24: Samuel Alito Confirmation Vote
2006.01.24: Problems with Multiple Mortgages
2006.01.23: Links and Minifeatures 01 23 Monday
2006.01.23: Reserves
2006.01.22: Links and Minifeatures 01 22 Sunday
2006.01.20: More Eminent Domain Thievery
2006.01.20: Loan Qualification Standards - Loan to Value Ratio
2006.01.19: Links and Minifeatures 01 19 Thursday
2006.01.18: Links and Minifeatures 01 18 Wednesday
2006.01.18: Loan Qualification Standards - Debt to Income Ratio
2006.01.17: Links and Minifeatures 01 17 Tuesday
2006.01.17: Annuities, Fixed and Variable
2006.01.16: Links and Minifeatures 01 16 Monday (late)
2006.01.16: The Deposit
2006.01.15: Building an Informed Consumer's Arsenal Against Abuse
2006.01.13: Links and Minifeatures 01 13 Friday the 13th!!
2006.01.13: Negative Amortization Loan Issues on Investment Property
2006.01.12: Links and Minifeatures 01 12 Thursday
2006.01.11: Mutual Funds: What They Are and How They Work
2006.01.10: Links and Minifeatures 01 10 Tuesday
2006.01.09: Investment Property and Sophisticated Users
2006.01.08: Links and Minifeatures 01 08 Sunday
2006.01.08: Surveillance - Should it be Illegal?
2006.01.07: This Week's Critter Post
2006.01.07: Top Smart Replies of 2005
2006.01.06: Links and Minifeatures 01 06 Friday
2006.01.06: Libertarians and the Art Of Politics
2006.01.05: Links and Minifeatures 01 05 Thursday
2006.01.05: Housing Bubble - News from the Front
2006.01.04: Links and Minifeatures 01 04 Wednesday
2006.01.04: Improving your Credit Score and Tradelines
2006.01.03: Buying One Property While Selling Another
2006.01.02: Links and Minifeatures 01 02 Monday
2006.01.01: Jihad versus Hirabah
2006.01.01: Wild Animal Park Trip 12/31/2005
2005.12.30: What I Look For In a Mutual Fund Family
2005.12.29: Links and Minifeatures 12 29 Thursday
2005.12.29: A Request for Those Sites With Ads
2005.12.29: Mortgage Life and Disability Insurance
2005.12.29: Return to Service
2005.12.27: My Favorite Investing Books
2005.12.26: Links and Minifeatures 12 26 Monday
2005.12.26: The Economics of Housing Development
2005.12.25: Zoo Trip 12/24/2005
2005.12.25: Links and Minifeatures 12 25 Merry Christmas!
2005.12.22: Links and Minifeatures 12 22 Thursday
2005.12.22: Amending the Budget Process
2005.12.22: Shopping for Long Term Care Insurance - Who Should and Shouldn't Buy, and Policy Characteristics
2005.12.21: Long Term Care Insurance: Non-Tax-Qualified versus Tax-Qualified, and Partnership
2005.12.20: Carnival of Liberty
2005.12.19: Links and Minifeatures 12 19 Monday
2005.12.19: Long Term Care Issues
2005.12.19: Links and Minifeatures 12 18 Sunday
2005.12.18: The Basis of War
2005.12.16: Links and Minifeatures 12 16 Friday
2005.12.16: Asset and Income Rentals - Borrowing Trouble at Usurous Rates
2005.12.15: Privacy Concerns in Real Estate Transactions
2005.12.14: Links and Minifeatures 12 14 Wednesday
2005.12.14: Carnival of Liberty
2005.12.14: What Type of Real Estate Listing Agent to Choose
2005.12.13: Links and Minifeatures 12 13 Tuesday
2005.12.13: Regulators Toughen Negative Amortization Loans?
2005.12.12: Links and Minifeatures 12 12 Monday
2005.12.11: Links and Minifeatures 12 11 Sunday
2005.12.10: Is the United States Worth Defending?
2005.12.09: Negative Amortization Loans - More Unfortunate Details
2005.12.08: Weblog Award Endorsements
2005.12.08: Having your Credit Run
2005.12.07: Links and Minifeatures 12 07 Wednesday
2005.12.07: Second Trust Deeds and Loan Subordination
2005.12.06: Links and Minifeatures 12 06 Tuesday
2005.12.06: The Proposed Tax Change for Homeownership
2005.12.05: Foreign Prisons in the War on Terror
2005.12.04: Links and Minifeatures 12 04 Sunday
2005.12.02: Links and Minifeatures 12 02 Friday
2005.12.02: Debunking The Fallacy of Index Funds
2005.12.01: Links and Minifeatures 12 01 Thursday
2005.11.30: Real Estate and Mortgage State of the Market
2005.11.29: Links and Minifeatures 11 29 Tuesday
2005.11.28: Links and Minifeatures 11 28 Monday
2005.11.28: The Three Day Right of Recission
2005.11.27: Links and Minifeatures 11 27 Sunday
2005.11.24: Games Lenders Play (Part IV)
2005.11.24: Links and Minifeatures 11 23 Wednesday
2005.11.22: Links and Minifeatures 11 22 Tuesday
2005.11.22: Recording Errors and Title Insurance
2005.11.22: Links and Minifeatures 11 21 Monday (Late)
2005.11.21: RINO Sightings
2005.11.20: Links and Minifeatures 11 20 Sunday
2005.11.20: Recent US Political and Military History and the War on Terror
2005.11.18: Why You Should Ignore APR
2005.11.16: Links and Minifeatures 11 16 Wednesday
2005.11.16: Biweekly Mortgage Spam
2005.11.15: Links and Minifeatures 11 15 Tuesday
2005.11.11: Amortization: Fixed rate, Balloon, ARM and Hybrid Loans
2005.11.10: Apology in advance
2005.11.09: Links and Minifeatures 11 09 Wednesday (Election Letdown)
2005.11.09: Buying off a Prepayment Penalty
2005.11.08: Links and Minifeatures 11 08 Tuesday
2005.11.07: Links and Minifeatures 11 07 Monday
2005.11.07: Not Becoming a Victim of Bad Real Estate Practice
2005.11.05: California Prop 75 - More Misleading Ads
2005.11.04: The Searchlight Crusade Mission
2005.11.03: Links and Minifeatures 11 03 Thursday
2005.11.03: Credit Reports and Credit Score Manipulations
2005.11.02: The Ultimate Consumer Horror Story (reposted)
2005.11.01: Links and Minifeatures 11 01 Tuesday
2005.11.01: Virtues of the Housing and Mortgage Market in the US
2005.10.31: Judge Samuel Alito Nominated to Supreme Court
2005.10.31: Tax Treatment of Annuity Withdrawals
2005.10.30: Links and Minifeatures 10 30 Sunday
2005.10.28: The Nature of Estate Planning
2005.10.27: Links and Minifeatures 10 27 Thursday
2005.10.27: Harriet Miers Withdraws
2005.10.26: Links and Minifeatures 10 26 Wednesday
2005.10.26: Credit Lines, Number and Length of Time Open
2005.10.25: Links and Minifeatures 10 25 Tuesday
2005.10.24: Links and Minifeatures 10 24 Monday
2005.10.24: One Loan versus Two Loans
2005.10.21: Links and Minifeatures 10 21 Friday
2005.10.21: State of The Housing Market
2005.10.19: Links and Minifeatures 10 19 Wednesday
2005.10.18: Ruling the World as an Information Aggregator
2005.10.18: Harriet Miers Supreme Court Nomination - An Epiphany
2005.10.18: Carnival of Liberty
2005.10.17: Links and Minifeatures 10 17 Monday
2005.10.17: Appraisers Speak Out
2005.10.16: Announcement
2005.10.15: Links and Minifeatures 10 14 Friday
2005.10.14: On The Road - San Diego to Kingman and back
2005.10.10: Links and Minifeatures 10 10 Monday
2005.10.08: Links and Minifeatures 10 08 Saturday
2005.10.07: Holy Orwellian Bureaucrats Batman!
2005.10.07: Relocation Issues and Some Developer Issues.
2005.10.06: Links and Minifeatures 10 06 Thursday
2005.10.06: When You Can't Make Your Real Estate Mortgage Payment
2005.10.05: Links and Minifeatures 10 05 Wednesday
2005.10.05: Harriet Miers Nomination: Fish or Cut Bait
2005.10.05: Debt Consolidation Refinance: Right and Wrong
2005.10.03: Links and Minifeatures 10 03 Monday
2005.10.03: Harriet Miers, Qualified and Nominated but Underwhelming
2005.10.02: Ten Big Things
2005.09.30: Racial Gap in Home Loans
2005.09.29: Near Miss at Las Vegas
2005.09.29: Links and Minifeatures 09 29 Thursday
2005.09.29: Games Lenders Play (Part II)
2005.09.29: Data Mining: Russian Style
2005.09.29: Links and Minifeatures 09 28 Wednesday (late)
2005.09.28: DeLay Indictment Roundup
2005.09.27: Time in Line of Work for Home Loans.
2005.09.26: Links and Minifeatures 09 26 Monday
2005.09.25: Links and Minifeatures 09 25 Sunday
2005.09.24: Petroleum and Energy
2005.09.23: Pre-payment Penalties and Alternate Payment Schemes
2005.09.22: Links and Minifeatures 09 22 Thursday
2005.09.22: Games Lenders Play Part I
2005.09.21: Links and Minifeatures 09 21 Wednesday
2005.09.20: Links and Minifeatures 09 20 Tuesday
2005.09.20: How Loan Providers Make Money
2005.09.19: Links and Minifeatures 09 19 Monday
2005.09.19: Links and Minifeatures 09 18 Sunday (late)
2005.09.15: Links and Minifeatures 09 15 Thursday
2005.09.15: Scary Thought for the Day - Iran Willing to Share Nukes
2005.09.15: Lender Discrimination and Shopping for a Home Loan
2005.09.14: Payment, Interest Rate and Up Front Costs: Choosing a loan intelligently
2005.09.13: Links and Minifeatures 09 13 Tuesday
2005.09.12: Links and Minifeatures 09 12 Monday
2005.09.12: Stealth "Cash Out" Loans
2005.09.11: Some September 11 Thoughts
2005.09.10: Links and Minifeatures 09 10 Saturday
2005.09.09: Mortgage Loans: The Tradeoff between Rate and Cost
2005.09.08: Links and Minifeatures 09 08 Thursday
2005.09.07: Links and Minifeatures 09 07 Wednesday (afternoon)
2005.09.07: Links and Minifeatures 09 07 Wednesday (morning)
2005.09.05: Sites That Cover Specific Issues
2005.09.05: Some Vile Misrepresentations
2005.09.04: Chief Justice Rehnquist
2005.09.02: Hurricane Katrina Insurance Issues
2005.09.02: Recycled Terrorists
2005.09.01: Links and Minifeatures
2005.09.01: Asset and Income Rentals
2005.09.01: Soliciting Consumer Horror Stories
2005.08.31: Links and Minifeatures 08 31 Part II
2005.08.31: Links and Minifeatures 08 31 Wednesday
2005.08.30: Database Mining
2005.08.30: Disability Insurance
2005.08.29: Links and Minifeatures 08 29 Monday
2005.08.29: Penalty Boxes for Spam-meisters and Telemarketers.
2005.08.28: Links and Minifeatures 08 28 Sunday
2005.08.27: Links and Minifeatures 08 26 Friday
2005.08.26: atheism vs Atheism
2005.08.25: I'm Back
2005.08.23: Links and Minifeatures 08 23 Tuesday
2005.08.23: Carnival of Liberty
2005.08.22: Advisory
2005.08.22: Links and Minifeatures 08 22 Monday (Part I?)
2005.08.21: Links and Minifeatures Special RINO and LLP edition
2005.08.20: Links and Minifeatures 08 20 Saturday
2005.08.19: Real Estate Roundup
2005.08.18: Links and Minifeatures 08 18 Thursday
2005.08.17: Links and Minifeatures 08 17 Wednesday
2005.08.17: Able Danger, Databases, and the Right to Privacy.
2005.08.16: Links and Minifeatures 08 16 Tuesday
2005.08.16: Production Metrics versus Consumer Metrics
2005.08.15: Links and Minifeatures 08 15 Monday
2005.08.15: Prevent This From Happening to Us
2005.08.14: Links and Minifeatures 08 14 Sunday
2005.08.12: Links and Minifeatures 08 12 (Friday)
2005.08.12: How to Use The Consumer Information Here
2005.08.11: Links and Minifeatures 08 11 Thursday
2005.08.11: Yet more on Illegal Alien Border Patrol Agent Denied Bail
2005.08.10: Links and Minifeatures 08 10 (Wednesday)
2005.08.09: Border Patrol Smuggler Wants Bail
2005.08.09: Links and Minifeatures 2005 08 09 (Tuesday)
2005.08.09: Exclusive versus Non-Exclusive Buyer's Agent Agreement
2005.08.08: RINO Sightings
2005.08.07: New York Subway Searches, Privacy, and the Fourth Amendment
2005.08.07: More Roundup on Illegal Border Patrol agent Smuggling aliens
2005.08.07: Links and Minifeatures 2005 08 07 (Sunday)
2005.08.06: Illegal Border Patrol Agent Held Without Bail
2005.08.06: Privacy and Subway Searches
2005.08.05: Links and Minifeatures 2005 08 05 Friday
2005.08.05: Illegal Immigrants in the Border Patrol
2005.08.05: Mortgage and Housing Market Virtues
2005.08.04: Today's Links and Minifeatures 2005 08 04 Thursday
2005.08.04: John Roberts, the Supreme Court, and Affirmative Action
2005.08.04: Real Estate Bubble
2005.08.03: Today's Links and Minifeatures 2005 08 03 Wednesday
2005.08.03: Saving Money by Being Realistic About Your Mortgage
2005.08.01: Today's Links and Minifeatures 2005 08 01 Monday
2005.08.01: Reactions to John Bolton's Recess Appointment
2005.08.01: What can I do to Qualify for a House or Mortage?
2005.07.31: Today's Links and Minifeatures 2005 07 30 Saturday
2005.07.30: Still a Little Nervous
2005.07.29: Today's Links and Minifeatures 2005 07 29 Friday
2005.07.29: US Military Mercenary? I Think Not.
2005.07.29: Two Things That Have Nothing To Do With Each Other
2005.07.28: Let us Disagree Without Being Disagreeable
2005.07.28: For Sale By Owner
2005.07.27: I Got 100% on this test. See How you do.
2005.07.27: Today's Links and Minifeatures 2005 07 27 Wednesday
2005.07.26: Today's Links and Minifeatures 2005 07 26 Tuesday
2005.07.26: Housing Bubble
2005.07.25: Today's Links 2005 07 25 Monday
2005.07.24: Iraq and the War on Terror Roundup
2005.07.24: More John Roberts Supreme Court stuff
2005.07.23: Daily Links and Minifeatures 2005 07 23 Saturday (and 24 Sunday)
2005.07.22: Today's Links and Minifeatures 2005 07 22 Friday
2005.07.22: John Roberts Supreme Court (Partial) Roundup and Thoughts Friday
2005.07.22: On Liberty and Regulation; Theory and Practicality
2005.07.22: The State-run 529 Plan
2005.07.21: Today's Links and Minifeatures 2005 07 21 Thursday
2005.07.21: 3400 Airspace Violations since 9/11
2005.07.21: Pre-requisites of Investing
2005.07.20: Today's Links and Minifeatures 2005 07 20 Wednesday
2005.07.20: More on Roberts
2005.07.20: Roberts for Supreme Court
2005.07.20: The Pre-qualification
2005.07.19: Today's Links and Minifeatures 2005 07 19 Tuesday
2005.07.19: Housing and Urban Development Form 1 (HUD-1)
2005.07.18: Todays Links and Minifeatures 2005 07 18 Monday
2005.07.18: What You Should do at Closing
2005.07.18: Islam, Historical Christianity, and Reform
2005.07.17: Today's Links 2005 07 16 Saturday (and 17 Sunday)
2005.07.15: Today's Links 2005 07 15 Friday
2005.07.15: Salesgoodspeakian to English
2005.07.14: Todays Links 2005 07 14 Thursday
2005.07.14: On the Demise of Estate Tax
2005.07.13: Today's Links 2005 07 13 Wednesday
2005.07.13: Mortgage Loan Rate Locks
2005.07.12: Today's Links 2005 07 12 Tuesday
2005.07.12: Media Exemption for Bloggers
2005.07.12: Payments and Interest Rates
2005.07.11: Iraq, the War on Terror, and the Lessons of Vietnam
2005.07.11: Carnival of Liberty #2
2005.07.11: On Fisking
2005.07.10: Today's links 2005 07 10 Sunday
2005.07.10: Updated Parameters for Solving Kelo
2005.07.09: Today's Links 2005 07 09 Saturday
2005.07.08: Today's links 2005 07 08 Friday
2005.07.08: A List of Mortgage Provider Red Flags
2005.07.07: London Bomb Blasts - a moment to reflect
2005.07.07: Today's Links 2005 07 07 Thursday
2005.07.07: The Negative Amortization Loan
2005.07.06: Protest Warrior Hacked!
2005.07.06: Today's Links 2005 07 06 Wednesday
2005.07.06: The Truth In Lending Statement and APR
2005.07.05: Today's Links 2005 07 05 Tuesday
2005.07.05: The Appraisal
2005.07.04: Today's Links 2005 07 04 Monday
2005.07.03: Today's Links 2005 07 03 Sunday (and Saturday!)
2005.07.03: Recent SF Reading take 3
2005.07.01: Solving Kelo - Seeking Parameters for a Solution
2005.07.01: Soliciting Consumer Horror Stories
2005.07.01: The Searchlight Mission
2005.07.01: Today's Links 2005 07 01 Friday
2005.07.01: An Apparent Red Flag That Isn't
2005.06.30: Today's Links 2005 06 30 Thursday
2005.06.30: Illegal Immigration - Border Watchers to be Monitored
2005.06.30: The Credit Report
2005.06.30: Middle East prediction
2005.06.29: Todays Links 2005 06 29 Wednesday
2005.06.29: Types and Levels of Mortgage Documentation
2005.06.29: Getting Rich Quick in Real Estate
2005.06.29: Let's Hold Bush and Rumsfield Accountable!
2005.06.28: Refocusing
2005.06.28: Today's Links 2005 06 28 Tuesday
2005.06.28: California Mortgage Loan Disclosure Statement
2005.06.28: Beautiful Article
2005.06.27: Amusing Pointless Timewaster
2005.06.27: More news from Iraq the Model!
2005.06.27: $4 billion to stop this?
2005.06.27: Our First RINO Sightings
2005.06.27: Lord of the (Blog) Rings
2005.06.27: Truth in Labelling
2005.06.27: Questions to Ask a Prospective Loan Provider
2005.06.27: Social Security Private Accounts
2005.06.26: Recent SF Reading part 2
2005.06.25: Dog bites Man (again)
2005.06.25: Hugh Hewitt has a Telling Point
2005.06.25: Kelo
2005.06.25: The Ultimate Consumer Horror Story
2005.06.24: Kelo and The Third Amendment
2005.06.24: Flame Warriors
2005.06.24: Thomas Dissent on Kelo
2005.06.24: Bush Seizes Supreme Court! (Kelo redux)
2005.06.23: Fixing Kelo - a proposal
2005.06.23: Kelo
2005.06.23: Puncturing the "No WMD's" Balloon
2005.06.23: Cold Hard Numbers
2005.06.23: Mortgage Markets and Providers
2005.06.23: Military Utility
2005.06.23: Mortgage Rate and Points
2005.06.22: Modern day bandit gangs - in the US
2005.06.22: Ar-nold! Ar-nold! Ar-nold!
2005.06.22: Military Spyplanes
2005.06.22: You've got to love Iraq the Model
2005.06.22: Real Estate - Third Party Service Providers
2005.06.21: Ten Commandments for the developing world
2005.06.21: This is disgusting
2005.06.21: Concentration of articles
2005.06.21: Domain Registration Ickiness
2005.06.21: I must also declare my allegiance
2005.06.21: Think I want to join the raging RINOs
2005.06.20: Recent Reading
2005.06.20: Brain Areas Shut Off During Female Orgasm
2005.06.20: The Best Suggestion About Applying For A Mortgage
2005.06.19: Proof that there is such a thing
2005.06.19: Hilda's first swimming lesson
2005.06.19: Impartial Media?
2005.06.19: On Military Recruiting
2005.06.19: Why "Searchlight Crusade"
2005.06.19: Contents Policy
2005.06.19: About DM
2005.06.19: Originalism
2005.06.19: Reflections on Guantanamo
2005.06.19: The Good Faith Estimate (Part II)
2005.06.19: The Good Faith Estimate (Part I)
2005.06.19: Mortgages: General Concerns

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