Have you ever wondered if the way you habitually think is helping or hindering your ability to attract wealth and prosperity?Well, recent studies indicate that we can actually unwittingly sabotage our ability to achieve financial security.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about saving for a down payment and how to know when you can afford to buy a home.Experts say the cheapest, most efficient way to buy a house is to make a 20% down payment. But today, that’s a huge amount of money! If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about how you can protect your home while you are away on a vacation...At this point, you’ve made your plans, booked your trip and are looking forward to a week or two away from work. But while you’re thinking about what to pack, give some thought to home security. Is your home protected while you are away? Do you have a security camera or neighbors looking out for you? If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about how to buy a home, even if you have bad credit…Obviously, if you have good credit, it’s easier to qualify for a mortgage. But that doesn’t mean home ownership is out of reach if you have bruised credit.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

OK, today we’re going to talk about the BIG “A” word… AMORTIZATION that is! The length of time it takes you to pay off your entire mortgage is called the amortization. But don’t fall prey to the misconception that a longer amortization is better. In most cases, the opposite is true.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

OK, today we’re going to talk about the importance of getting – and keeping – an emergency fund.Of course, the first consideration is, do you have an emergency fund? The second is, how do you avoid the temptation of dipping into for non-emergencies.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

As you know, there are loads of credit card options out there. Credit cards that let you earn travel miles, merchandise or cash back can be a good deal.However, to get the most out of a rewards credit card, you have to be strategic.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

OK, we’re going to talk about a simple – yet profound – principle that can transform your health and your wealth over time…It’s called the “apple-a-day” principle.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Many of the world’s wealthiest people got that way by investing in real estate.But it’s difficult to come up with the hefty 20% down payment required to buy an investment property.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

You’ve found the ideal place. The whole family loves it. But before you seal the deal, make sure you or your home inspector checks for these potentially expensive deal breakers.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

OK, today we’re going to talk about how to achieve your goals…Any chump can set a goal. But it takes a champ to achieve it!So, what separates the champs from all the rest? I’m glad you asked.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Buying a home in a new real estate development can be exciting! However, there are important things to be aware of before you sign the contract.There’s nothing like turning the key on a brand-new home that’s never been lived in. But buying in new a real estate development isn’t the same as buying an existing house.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about the added costs that most homebuyers don’t realize when purchasing a home.Your home is probably the biggest purchase you’ll ever make. But the expenses don’t stop with the price.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about some things you should never put on a credit card…Credit cards make purchases more convenient. But in some cases, that convenience comes with too high a price.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about 4 ways to get the lowest possible refinance rate.If you’re thinking about refinancing, there are ways to make your rate even lower than you think.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Buying a foreclosed house can be a great way to save money. However, achieving those savings takes a lot of preparation, and willingness to do some extra work.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

OK, today we're going to talk about an unfortunate but common challenge that many homeowners face.You see, when you and your partner get together and jointly buy a house, it’s only natural to assume everything will be “happily ever after”.But the sad truth is many relationships eventually end in separation, and that can have a dramatic impact on your mortgage.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about the pros and cons of house flipping.It’s possible to make a lot of money by flipping properties. But it’s not as easy as it sounds, and there are just as many pitfalls as there are rewards. If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

As any good real estate professional will tell you, setting the right price for a home is a mix of technical knowledge and intuition. Realtors have to rely on their experience, knowledge and feel for the market. But there’s more to it than that.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about the most common questions homebuyers ask about mortgages.For most of us, shopping for our dream home is the fun part. So what’s the not-so-fun part? It’s usually when things get complicated trying to arrange financing. (After all, it can be confusing!) If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954