John Balladares's (jballadares) Blog

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Mortgage and Lending - Peoples Bank
RECENT BLOG POSTS
  Open houses are a great way to meet potential clients, and showcasing the home in an attention-getting way can cement potential sellers' confidence in the Realtor. 1. Take advantage of branding opportunities. Water bottles on hot days with a custom label can be a great source of advertising. A...
04/29/2011
While most mortgage lenders offer a form of "pre-approval" for a loan, Mortgage California is one of the few lenders anywhere that can do an actual fully underwritten loan pre-approval. With our banker and broker business model, pre-approvals for loans are not conditional on multiple minutiae of ...
04/27/2011
    If you are back in the workforce after a layoff, you might be wondering how to address financial issues. For many re-employed people, a new paycheck might not solve all money problems. According to a survey by CareerBuilder, among workers who were laid off in 2010 and found new jobs, 61 perce...
04/21/2011
  Last week U.S. regulators penalized fourteen of the country's biggest banks for improper foreclosure practices, according to a recent Wall Street Journal article. The banks were ordered to revamp their methods for handling troubled borrowers. While no fines were issued, officials say they are ...
04/20/2011
  This holiday-shortened week is pretty light in terms of economic news scheduled for release. There are only three economic reports scheduled and none of them are considered to be highly important to the financial or mortgage markets. Accordingly, there is a decent possibility of seeing a relat...
04/18/2011
The big day was March 20, the first day of spring. As almost everyone knows, it begins one of the most active seasons for home searches. For good reason: If you can dodge the April showers, the weather will be nice. Flowers coming out everywhere will tempt you to drive about and see what appeals...
04/16/2011
  For a few hours' time and a small investment, you can do a lot to protect your property. Even renters can ensure comfortable surroundings with some of these tips. Get energy efficient. If you have not yet installed a programmable thermostat, now is the time to do it. You can reduce your coolin...
04/14/2011
  Knight Kiplinger, editor-in-chief of Kiplinger's Personal Finance, reminds homeowners and home buyers that an investment in a home not only a sanctuary for you and your family, it also remains a great tax shelter. The ability to deduct property taxes is "the last great tax shelter" and you get ...
04/13/2011
  Lenders use different credit scores for different purchases. If you have successfully navigated a website that offers to sell you your credit score, you may think you have all the information you need in order to apply for a loan or new credit card. Not necessarily. The score you received coul...
04/12/2011
  This week brings us the release of seven relevant economic reports for the bond market to digest. We are also heading into corporate earnings season, which could lead to fluctuations in the stock markets. If earnings come in lighter than estimates, the stock markets may fall, leading to an inf...
04/11/2011
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