Chris Salese can be reached at chris@delsurmortgage.com or (707) 363-4439. He is a licensed California mortgage banker (NMLS 254469/1850 CA BRE 01377933/01215943) and equal housing lender.

No matter where you are living in the world, it’s almost guaranteed that each day brings with it plenty of new opportunities and challenges for you. It is how you handle these things that makes a difference.

In the spirit of that traditional summer treat — the standard ice cream cone — there’s usually three basic flavors to consider when waiting in line to place your order.

When I got out of my car during a trip to the beach the other day, I heard a voice immediately ask me for something.

When you’re reviewing your initial loan disclosure package with your lender, there’s a title vesting form you’ll need to complete.

It’s that time of the year again, when the unofficial start of summer is marked by Memorial Day weekend barbecue celebrations and the amazing BottleRock music festival.

I was born in New Jersey, so I’m not referring to myself here.

When you apply for a home loan, the ultimate goal that you share with your lender is to reach the finish line together.

If you are looking to borrow money, then most likely the person or bank lending you the money is going to charge you a rate for the use of those funds until they are repaid in full.

For those of you who still use that traditional hard copy calendar, it probably just felt good to turn the page over from February to March.

There’s been a catchy radio commercial floating around the air waves lately from a travel company that speaks to how it feels like it’s six months into the new year, yet it’s only been six weeks.

In my previous column, I mentioned that the FHA made a surprise announcement to lower their mortgage insurance premium, which was part of a large package of final moves by the Obama administration before they departed the White House.

We’re only a couple of weeks into 2017 and there has already been certain events that have set the tone for what could be an uncertain year.

Each year, millions of people try to make good on their New Year’s resolutions and it’s probably no surprise that physical fitness always seems to be top on the list.

As we laugh and stumble into the last few days of the year, it’s important to pause and take note of several recent technology upgrades from our friends at Fannie Mae.



I’m definitely not a cook or a chef or, for that matter, any use in the kitchen. There’s plenty of members in my household who will quickly and gladly confirm this to be the case.

It doesn’t matter if you are buying or refinancing a home, one of the most important parts of the process is your rate lock strategy.

For the record, this column has absolutely nothing to do with the upcoming presidential election. I wanted to make that clear before you read any further.

In today’s digital age, your personal information is at risk all the time.

As we move closer to the presidential election of 2016 we’ll be treated to several highly watched and entertaining debates along the way.

If you are currently in a VA loan, then you should absolutely be reaching out to your local lender to discuss your eligibility for the VA Interest Rate Reduction Refinance Loan (VA IRRRL).

In case you weren’t aware, almost 60 days ago, the people of the United Kingdom voted to exit from the European Union.

Whether it’s a Jamba Juice, a car wash or a new home — it doesn’t matter what you buy these days, you will inevitably receive some sort of request to complete a survey after your purchase is complete.

When the size of your loan is too big to fit into the underwriting box of Fannie Mae or Freddie Mac, your lender is likely to try to match your application up against the guidelines of a jumbo home loan investor instead.

Don’t worry, I’m not going to modify the lyrics to this classic Cher song in an attempt to make it into some mortgage-related-sounding column. The thought didn’t even cross my mind.

For those of you who live in Northern California and follow the NBA’s Golden State Warriors, I’m sure you’ve heard of the catchy phrase “strength in numbers.”

I recently had the privilege of being a parent chaperone for a class of fourth graders during a three-day trip to the South Fork American River.

Most likely, when someone asks if you have good credit, you automatically reply with a score because that’s what the credit bureaus, credit repair companies and credit monitoring services want you to do.

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In the words of the late singer, songwriter and uber-talented artist known as Prince, “let’s go crazy” is one of the ways you could describe our current local real estate market.

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According to Fannie Mae, certain energy retrofit lending products — often referred to as Property Assessed Clean Energy (PACE) or Home Energy Renovation Opportunity (HERO) programs — are used to finance residential energy improvements and are generally repaid through a homeowner’s real estat…

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“We are first-time home buyers and thinking about trying to purchase by this summer. Should we start the application process now or wait, we don’t know how long our approval would be good for?”

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It’s raining, termites are swarming... similar in sound to a classic nursery rhyme, the rest of the verse might be “the pest control guy is definitely not snoring” around this time of year.

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In a previous column I wrote, published in October 2011, I offered a few tips for condo financing.

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Why do reindeers go to school? According to my seven-year-old daughter, it’s so they can learn the elf-abet.

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You’ve heard the story before about your friend or co-worker, or even a family member, who somehow finds a way to get through most of their life with no credit scores.

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When you were a kid, I’m sure you can remember those times when you pretended to be someone else and spent countless hours prank calling your neighbors while laughing uncontrollably.

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As I wrote in a previous column, when the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law in 2010, it created the Consumer Financial Protection Bureau (CFPB).

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If you were to search “reserves” online, you would likely find the top returns for your search would yield military or banking-related results.

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If you are purchasing a home, unless you are doing so with all cash, you will probably need money from your lender to complete the transaction. One of the most important parts of the closing process is how your lender will fund your loan.

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“If I work a couple of part-time jobs, can I apply for a home loan now or do I need full-time employment first?”

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My husband owns a property here in California and his name alone is currently on the loan and title of it. We are married now, and since I’m his wife, can I refinance the property into my name only so he can free up his credit to participate in other investment opportunities?

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While there is nothing like the title of an epic Clint Eastwood movie to tie together one of the more controversial practices in the mortgage lending industry, I will spare you my attempts to match the movie’s plot up against the process of making a “double-app” with your lender or a differe…

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The Federal Housing Administration (FHA) will be releasing several guidelines changes around Sept. 14 for any case numbers issued on or after this date.

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‘My wife and I just finished a refinance on our home, and it was annoying how our lender kept asking us if we took money out on our home equity line of credit. Although the end result of the refinance was great, we felt as if we were being singled out with this same request over and over aga…

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Typically, regardless of the sport that’s being played, a referee is someone who makes sure that all the rules and regulations of the game are correctly followed while the game is in progress.

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“My husband’s family owns a property that’s just over 45 acres in Northern California. It has a house on it and pretty much nothing else, with the exception of lots of trees. They want to sell it to us. Are we going to be able to get a loan to buy it?”