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.
For home loan and other mortgage topics, read Napa's Loan Ranger, Chris Salese.
If you are in the home loan business, there’s a good chance that someone is going to ask you about interest rates, such as where are they now and are they going up or down.
If you think about it, the account statement that’s generated by your bank each month is on quite a mission to find you.
Here we go again. Almost six years ago, we had a surprise visit from a squirrel who found its way into our house. Last weekend, we had another squirrel encounter, but this time it was outside near a huge redwood tree in our front yard.
The term “privately financed” typically means that funds for a project or business or personal endeavor come from the private sector and not the public.
There are plenty of words that can make you smile. However, for some reason, not quite like the word “cash.”
Before I go any further, please remember that every home loan application is different.
My oldest son is officially a working man.
According to several dictionaries, an interview can be used to “question or talk with someone to get information or to evaluate qualifications.”
It’s here, the official mid-point of the year. Our annual Fourth of July holiday weekend is happening now.
If you have ever applied for a home loan, in most cases, you were perhaps asked for a copy of your filed tax returns because they are often used to verify and calculate your qualifying income to determine your loan eligibility.
I don’t write about exact interest rates, for a variety of reasons, but mainly because it’s compliantly complicated if I do such.
Now that it’s BottleRock weekend, I hope you have the chance to get off your sofa and do a little dance. Yup, that rhymed too.
I’m pretty sure that human, mortgage and technology are probably not the easiest or most common words you want to say together.
In a previous column that I wrote back in 2017, I discussed the importance of understanding what’s called an appraisal risk review checklist and some of the unforeseen events — such as a natural disaster— that can impact the result of your appraisal report.
Since we are now officially wrapped-up with this year’s “March Madness” college basketball tournament, I thought it would be somewhat appropriate to discuss the betting odds for next year and who are already the early favorites.
If you’re buying a home for the first time, here’s a likely the question you’re going to ask your lender immediately after your offer gets accepted:
“Weeding through joint ventures” is a common phrase that can be used in a variety of different ways.
If you read the name above out loud and laughed, that’s great.
If you read the name above out loud and laughed, that’s great.
Print Ads
Furniture
Cleaning
The other day, I went to a local deli to get a sandwich for lunch. I specifically ordered their specialty club sandwich with provolone cheese.
If you haven’t been able to check out the Napa Lighted Art Festival yet, you still have time.
As has often been the case, each year brings with it different twists and turns in the mortgage world.
Our two favorite loan elves, Fannie Mae and Freddie Mac, are back in the news spreading some holiday cheer.
I’m sure you know the name, Alexander Hamilton. In fact, a few years ago when the hit musical “Hamilton” debuted on Broadway, the name became even more famous.
Perhaps I stare at words too long.
For some reason, when you randomly say the word carrot, you can’t really predict where your mind will to take you after saying it. I guess it’s just an awkward word.
After watching my son get out of the car with his driving instructor the other day, it made me realize that the car being used to teach him how to drive was sort of like a mortgage.
Making its way to the ring from Wall Street, standing tall at three decimal places, is your interest rate.
In early August 1986, there was a catchy song released by Lionel Richie that was titled “Dancing on the Ceiling.”
For those of you who might have your own bear story, then you’ll likely appreciate the one I’m going to share with you.
I’m going to start by making a reference to a classic children’s book, “The Giving Tree,” written by Shel Silverstein.
One of the great things about the Forth of July holiday is that it effectively serves as a half-way point for the calendar year.
Before I get started, I want to be clear. The intent behind this column headline isn’t to discourage you from making a new vehicle purchase this summer nor to suggest that you procrastinate on signing an incredible deal on a lease agreement either.
Whether you’re a renter or an investment property owner, take the time to become familiar with what’s called “rent credit.”
I’m going to state the obvious.It doesn’t matter if you are a lender or a Realtor, inevitably you’re going to feel the pressure every so often from either the consumer or from someone else in the housing industry to “do whatever it takes” to make a transaction happen or to cut a corner sort …
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.
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.
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.
Latest Local Offers
YELLOW ROSE RANCH
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
You are probably thinking ‘What does this column title mean?’
The Loan Ranger column will return in two weeks.
The Loan Ranger column will return in two weeks.
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.
For many self-employed borrowers, there’s always a delicate balancing act in place when trying to qualify for a home loan.
