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Challenged Borrowers: How to get them Approved

Jan 19, 2018

How tough is it to get approved for a mortgage? How low can your FICO credit score go before your lender shows you the door? And how much monthly debt can you be shouldering — credit cards, student ...

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RSI Grand Openings in CA & TX This Weekend!

Jan 9, 2018

The Preserve in Murrieta, CA RSI California Buzz: Join us this Saturday for the grand opening of The Preserve in Murrieta! Come and tour RSI Communities' beautiful model homes, showcasing single-level ...

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Conforming Loan Limits Increase

Dec 8, 2017

The Federal Housing Finance Agency announced Tuesday that it is increasing the conforming loan limits from $424,100 to $453,100 for 2018. Fannie and Freddie’s conforming loan limits stayed at ...

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FHA Loan Limits Increase for 2018

Dec 8, 2017

The new loan limits will take effect for FHA case numbers assigned on or after Jan. 1, 2018. FHA is required by the National Housing Act to set Single Family forward loan limits at 115% of median house ...

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Gaining Equity With or Without Appreciation

Nov 11, 2017

Since WWII homes have increased in value at an average rate of 3.5% each year. We all know that annual home appreciation rates have been higher lately which is great for homeowners, but let’s see ...

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60% Of New Homes Are Built In HOA's

Oct 17, 2017

According to data from the Census Bureau’s Survey of Construction, 59.8% percent of all homes started in 2016 were built within a community or homeowner’s association. The Census Bureau ...

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Mortgage Rate & Activity Update

Oct 2, 2017

Mortgage application activity in Texas and Florida drastically fell over the last 2 weeks due to the natural disasters that tore through these States. “To illustrate the impact of the two major hurricanes, ...

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Meet Our Top-Notch Loan Officers

Aug 25, 2017

Woodside Mortgage has diligently applied superior principals of innovation and uncompromising dedication to customer service to create a mortgage company that truly stands out from its peers. With a multitude ...

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Gift Funds Make it Easier to Buy Homes

Aug 4, 2017

Over the last few years lending guidelines have opened-up to allow financial gifts from acceptable donors to be used towards all of the down payment on a house in most cases.  Gift funds are an especially ...

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Interest Rates from Nov 2016 thru Dec 2018

Jul 28, 2017

Following the Election Results of November 2016, the market consensus was that Interest Rates had begun to reverse the Decade Long Trend toward lower rates. After a quick .5% percent jump in rates between ...

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Interest Rate is a Powerful Tool

Jul 23, 2017

Borrowers tend to focus on mortgage interest rates and not the actual mortgage payment. When the market shifts or if a borrower’s credit profile changes, a rate that changes from a 3.875% to 4% can ...

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Current State of Rates

Jul 14, 2017

Mortgage interest rates had been holding in a steady range near their highest levels in roughly 3 months over the past 2 weeks which was mostly the result from the European Central Bank’s comments ...

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Credit Event Waiting Periods

Jul 7, 2017

Almost a decade ago millions of people began experiencing severe financial hardship including bankruptcy, foreclosures, defaults and short sales due to the “Great Recession”. Today, ...

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Rates Slightly Increased This Week

Jun 30, 2017

Mortgage interest rates were higher again on Thursday, with average loan pricing now back to levels not seen since the middle of May. In the worst cases, a few borrowers may now see rate quotes an ...

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Mortgage Rates Stable After Fed Hike

Jun 16, 2017

Mortgage rates inched upwards ever so slightly this week, reversing their month-long slide. This slight increase in mortgage rates came ahead of the widely expected rate hike by the Federal Reserve. The ...

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Solid Growth in Home Sales Despite Low Inventory

Jun 9, 2017

According to a recent forecast from Lawrence Yun, chief economist at the National Association of Realtors, 2017 is projected to finish with a 3.5%  increase in existing-home sales. He is predicting ...

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Freddie Mac's New Positive Outlook for 2017

Jun 2, 2017

Freddie Mac just changed its 2017 Housing Market outlook. Based on recent economic and housing data, they now see the U.S. housing market as being on track to not only beat 2016 figures, but to possibly ...

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Simple Tips to Save for a Down Payment

May 26, 2017

Saving enough money for a down payment for a home purchase may seem like an overwhelming task. However, a little research, focus and dedication is all it takes to move closer to accomplishing this life-changing ...

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Politics Help Move Rates Lower

May 19, 2017

Mortgage rates decreased slightly this week in the wake of weaker-than-expected U.S. economic data as investors lowered expectations about interest rate increases by the Federal Reserve in 2016. Rates ...

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Applications for Mortgages Increase

May 12, 2017

The gains are minimal, but the volume of new mortgage applications is beginning to improve again, as more homebuyers enter the market. Mortgage application volume increased by 2.4% last week from the previous ...

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