Jeff Sipes's Blog

On the eve of October, a frightening deadline looms.  That’s because if Republicans and Democrats can’t come to terms on a new Federal budget, the Federal government will shut down starting October 1.  For those of you keep track at home, that’s a complete debilitation of the largest economy in t...

Blue Water Credit LLC, a family-owned credit restoration firm based out of Roseville, is now a proud member of an exclusive club.  The Sacramento Business Journal released its list of the top 50 fastest-growing companies, listing Blue Water at #19.      The list, compiled by senior researcher Sha...

We like to feel safe.  It’s one of humankind's most primal urges, especially if we are raising a family or making a big investment by purchasing a home.  But how can we really tell if a neighborhood is safe?  We can talk to our neighbors, or pay attention to the headlines in the newspaper, but i...

  Online fraud is one of the fastest growing forms of crime, reaching epidemic proportions in a nexus of technology and cruel anonymity that defies international borders.  The highest instance of fraud attempts are now aimed at businesses, violating their often-weak or nonexistent firewalls to ac...

They say there are uptown problems and downtown problems, and U.S. mortgage giants Fannie Mae and Freddie Mac are now facing the former.  The nation’s mortgage giants have gone from rankled and cash-strapped to ultra profitable with a few short years, bringing on a new set of challenges, and now...

We love Sacramento, the capital city known for its trees and rivers, the NBA's Kings, and real estate volatility.  It's true, the 916 and surrounding areas enjoyed white hot growth during the real estate boom, and then went "thud" with equal fervor when the bubble burst, launching it into some of...

        Hiring a contractor to do home improvements can be a risky, often scary proposition for a homeowners, especially since horror stories of shoddy work and frauds abound.  So we tok the time to poll several contractors themselves, to give you their insider information and tips how to hire th...

The Federal Housing Authority released a statement on Friday revealing their plans to amend the waiting periods for potential borrowers who have been through a foreclosure, bankruptcy, deed-in-lieu, or short sale to as few as 12 months.   This would be a significant change from their current poli...

The 30-year fixed mortgage has been an American traditional like baseball, mom, and apple pie, but that could be going away if two controversial Bills get voted into laws.  The Housing Finance Reform and Taxpayer Protection Act of 2013 and The Protecting American Taxpayers and Homeowners Act wou...

This month, your friends at Blue Water Credit are committed to saving you money.  Last week we covered a financial checklist to savings and then 10 ways to save money on your energy bills.  This week we’re going to head into the kitchen to find you ways to save money.         Before you go down ...