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# Entertainment Mortgage

Understanding the Unique Mortgage Needs of the Entertainment Community

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## Posts

- [Blog](https://entertainmentmortgage.com/blog/)
- [Creative Strategies for First-Time Buyers in High-Cost Cities](https://entertainmentmortgage.com/creative-strategies-for-first-time-buyers-in-high-cost-cities/) - Living in a high-cost city? Learn creative strategies for buyers in pricey cities to make home-buying a reality. Discover innovative financing options...
- [Equity Rich, Cash Poor: What Homeowners Can Do With Their Home Equity](https://entertainmentmortgage.com/equity-rich-cash-poor-home-equity/) - Even homeowners with significant home equity can struggle with day-to-day expenses. This paradox - being “equity rich but cash poor” - is more common than...
- [Why Self-Employed and Freelance Borrowers Face Mortgage Challenges (and How to Overcome Them)](https://entertainmentmortgage.com/self-employed-and-freelance-borrowers-face-mortgage-challenges-and-how-to-overcome-them/) - Don’t let irregular earnings hold you back! Explore friendly strategies and tips to boost your mortgage chances as a self-employed and freelance borrower.
- [Trying to Get a Mortgage When You're Self-Employed?](https://entertainmentmortgage.com/trying-to-get-a-mortgage-when-youre-self-employed/) - Being self-employed or freelance offers amazing freedoms, but securing a traditional mortgage can feel like an uphill battle. Here is a solution that works...
- [Buying a Home in California-Understand the Mortgage Process](https://entertainmentmortgage.com/buying-a-home-2/) - Buying a home in California? Understanding the mortgage process will make it easier and less stressful. Learn what it takes...
- [The Hidden Costs of a Mortgage: What No One Tells You!](https://entertainmentmortgage.com/the-hidden-costs-of-a-mortgage-what-no-one-tells-you/) - What’s the Difference Between Fees and Costs? There are two main categories of expenses when you get a mortgage: "closing costs" and "loan fees".
- [Why Are Mortgage Guidelines So Strict and Unyielding?](https://entertainmentmortgage.com/mortgage-guidelines/) - The real story about why mortgage guidelines are so strict and rigid. They don't always make sense but there is a reason...
- [How to Break into Real Estate Without Showing Income](https://entertainmentmortgage.com/how-to-break-into-real-estate-without-showing-income/) - Here's how to Break into Real Estate Without Showing Income.Imagine this: You’ve been dreaming of investing in real estate. You’ve got the down payment saved...
- [Inflation Has Dropped to Lowest Level Since 2021- but don't fall for the hype!](https://entertainmentmortgage.com/inflation-has-dropped/) - The latest economic news has sparked excitement in the housing market. Inflation has dropped to its lowest point since 2021. This shift could lead to significant c
- [What to do If Buyer’s Remorse Hits](https://entertainmentmortgage.com/what-to-do-if-buyers-remorse-hits/) - What to Do When Buyer’s Remorse Hits You in Escrow? That nagging feeling of doubt and regret. If you're feeling it, you're...
- [The New Real Estate Commission Rules](https://entertainmentmortgage.com/the-new-real-estate-commission-rules/) - The new real estate commission rules took effect on Saturday, August 17. If you're feeling confused by them, you're not alone. Traditionally, sellers paid a 5-6% real estate commission based on the sales price. This amount was usually split evenly between the listing agent and the buyer's agent, though this wasn't a legal requirement—just common
- [Level Up Your Homebuying: 10 Expert Tips to Secure the Best Mortgage](https://entertainmentmortgage.com/level-up-your-homebuying-10-expert-tips-to-secure-the-best-mortgage/) - Top 10 Mortgage Insider Tips for Homebuyers When it comes to applying for a mortgage, whether a purchase or refinance, there are frequently changes in loan guidelines. There are basic rules though, that don't change. The more you know, the better you will be able to navigate the mortgage world. You'll feel more in control 10 expert tips to secure the best mortgage
- [Interest Rates: The Wild Card in Today's Real Estate Game - How to Win.](https://entertainmentmortgage.com/interest-rates-the-wild-card-in-todays-real-estate-game-how-to-win/) - Mortgages Buckle up, because the real estate market is officially on a thrill ride. Interest rates fell to record lows then rose faster than a teenager's mood swings. But unlike those mood swings, this rollercoaster has real consequences for everyone involved in real estate. Whether you're an agent navigating this crazy landscape or a potential buyer/refinancer Buckle up, because the real estate market is officially on a thrill ride. Interest rates fell to record lows then rose faster than a teenager's mood swings. But unlike those mood swings, this rollercoaster has real consequences for everyone involved in real estate. Whether you're an agent navigating this crazy landscape or a potential buyer/refinancer Interest Rates: The Wild Card in Today’s Real Estate Game – How to Win.
- [Calculating The Hidden Costs Of Homeownership](https://entertainmentmortgage.com/hidden-costs-of-homeownership/) - What are the hidden costs of homeownership? When calculating the costs of buying a home, it's important to think beyond the upfront expenses. You have to have a plan to cover the down payment and closing costs, of course, but you should also know what your prospective monthly mortgage payment will be. After that, you
- [Market For Smaller Homes Remains Competitive](https://entertainmentmortgage.com/market-for-smaller-homes-remains-competitive/) - The housing market has gotten a little easier for buyers lately. Listings are lasting longer and home-price increases have slowed. It's definitely still a seller's market, but buyers have it easier than they did last year at this time. Of course, how much easier depends on where and what you're looking to buy. Conditions can
- [8 Ways to Secure Your Home When You're on Vacation](https://entertainmentmortgage.com/8-ways-secure-your-home/) - Securing your home when you go on vacation can make coming home much more pleasant. Going on a vacation can be something you look forward to for months. Packing bags, dealing with pets, making sure you haven't forgotten anything — all are part of the equation leading to that little adventure. But what if coming
- [Jumbo Reverse Mortgage](https://entertainmentmortgage.com/jumbo-reverse-mortgage/) - Because reverse mortgages are much misunderstood, and because there is a new type of jumbo reverse mortgage that most homeowners don't know about, I'm going to write a series of posts that give real-life stories. Reverse mortgages are much more versatile than most senior homeowners imagine. This post is my first real-life story. Bill (the
- [My Favorite Reverse Mortgage I've Done So Far](https://entertainmentmortgage.com/favorite-reverse-mortgage-ive-done-so-far/) - Maggie is widowed. She owns her home which is free and clear of a mortgage. We looked at the possibility of doing a reverse mortgage for her. Her retirement income wasn't enough for her to live comfortably each month and she was getting desperate. Her friends told her to get a cash-out mortgage to help
- [A Reverse Mortgage for the Young and Comfortable](https://entertainmentmortgage.com/a-reverse-mortgage-for-the-young-and-comfortable/) - A Reverse Mortgage can serve a variety of needs. The following scenario is not that unusual these days. Dennis and Jill retired young. Their plan was to stop working at 55 and travel. They are both 57 years old now and their children are grown. A substantial part of their net worth is tied up
- [A 4 Million Dollar Reverse Mortgage](https://entertainmentmortgage.com/a-4-million-dollar-reverse-mortgage/) - A 4 million dollar reverse mortgage - really? A colleague of mine just completed a 4 million dollar jumbo reverse mortgage for a gentleman who only wanted to lock in a fixed rate, pay off his current mortgage and get no additional cash. He is a wealthy investor and didn't need cash, he just didn't
- [Is Relief Ahead For Home Buyers?](https://entertainmentmortgage.com/is-relief-ahead-for-home-buyers/) - A new quarterly report from the National Association of Realtors found the median home price reached a new record high during the second quarter. By the end of June, it was up to $413,500. That's after the vast majority of metro areas saw double-digit price gains from the year before. Put simply, it got more
- [First Time Home Buyer: A Step-by-Step Guide to the Home Buying Process](https://entertainmentmortgage.com/first-time-home-buyer-a-step-by-step-guide-to-the-home-buying-process/) - Although the experience of owning your first home can be fulfilling and exciting, the actual financing and buying process can be quite overwhelming. From choosing the right neighborhood for your lifestyle to reviewing your financing options, there are a lot of important decisions that you need to make to buy a home. Understanding the home
- [Reverse Mortgages, the Good, the Bad and the Ugly](https://entertainmentmortgage.com/reverse-mortgages/) - When you hear the term "Reverse Mortgage" what is the first thing that pops into your mind? Possible relief? Apprehension? Indifference? Reverse Mortgages mean different things to different people. If you are over 62 years old, living on a fixed income and unable to meet your monthly obligations, these mortgages may seem like the answer
- [A Home Inspection and a Home Appraisal - You Better Know the Difference!](https://entertainmentmortgage.com/home-inspection-vs-appraisal/) - My clients often ask me about the difference between a home inspection and an appraisal. It is often confusing to everyone. The Home Inspection Home inspections are examinations of a property to determine the condition of the structural and mechanical systems. This is done by a professional Home Inspector. There are many different types of
- [Does Conflicting Credit Score Information Give you a Headache?](https://entertainmentmortgage.com/conflicting-credit-report-information/) - Some people think I’m too much of a fanatic about keeping credit scores high, (or getting them up there), but I know what a huge difference a great credit score can make in your day-to-day existence. If you buy or lease a vehicle, the total interest you pay varies by many thousands of dollars. If
- [Are you Considered Self-Employed? A Mortgage Lenders Viewpoint.](https://entertainmentmortgage.com/mortgage-self-employed/) - Mortgages for self-employed borrowers. What does that mean? If you are a self-employed borrower, is it more difficult to get a mortgage? Let’s first look at the definition of self-employed. Mortgage lenders and tax preparers look at that term differently. Maybe you work under your own name or a DBA (Doing Business As), and your
- [Stop Listening to Bad Advice from Friends](https://entertainmentmortgage.com/home-buying-advice/) - Friends come in two sizes, those who love to give advice whether they’re right or not, and those who are jealous and love to give you misleading advice. Home Buying advice, if wrong, can cost you. Let’s clear this up right now. Home prices are falling – wait for the low in the market. Bottom-pickers
- [Saving for a Down Payment? There's an App for That.](https://entertainmentmortgage.com/saving-for-a-down-payment/) - I usually don’t put share links to apps that I love, but in this case, it can help you when you're saving for a down payment – really. I use it myself. When the market last year skyrocketed in the early months then took a nosedive at the end of the year, I still did
- [Kitchen Remodels that Add Value](https://entertainmentmortgage.com/kitchen-remodel/) - If you're thinking about doing a kitchen remodel... spend time thinking it through carefully. If you plan to move in the next five years or so, be sure to keep in mind how your upgrades will appeal to buyers. Remodeling your kitchen has the potential to add the greatest value to your home for the
- [Help! I'm Priced Out of the Market!](https://entertainmentmortgage.com/priced-out-of-the-market/) - With today’s surging real estate prices, you may be priced out of the market. If you can't afford to buy where you want to live, there is a solution. Don't stand by the sidelines as values keep shooting upwards. If you do, prices will always be just out of reach. Maybe you don’t want to
- [The Inglewood Real Estate Market - and Other Hot Spots](https://entertainmentmortgage.com/hot-los-angeles-real-estate-markets/) - You’d have to live completely off the grid to not know that Inglewood is the new home to both the Rams and the Chargers. That’s one of the reasons the Inglewood real estate market has become so hot. It’s always wise to follow what the “experts” do – I say experts but what I really
- [Help! I Have a Leaking Roof and I Can't Afford to Fix It.](https://entertainmentmortgage.com/leaking-roof/) - It's that time of the year when ignoring roof problems will come back to haunt you. Here's my own personal story of how a leaking roof changed my life - and not for the better. Just after the mortgage crisis of 2008, my income plummeted, my house was underwater, my mortgage was underwater, my income
- [Downtown Los Angeles Keeps Getting Better](https://entertainmentmortgage.com/downtown-los-angeles-keeps-getting-better/) - Years ago, UCLA had a weekend “class” – a bicycle tour of downtown Los Angeles guided by an architecture and design professor. I never really appreciated the exquisite architecture our city holds until that weekend. Touring on a bike was a genius idea because it allowed us to take our time and really take in
- [Bing Crosby's Former Home is For Sale](https://entertainmentmortgage.com/bing-crosbys-former-home-is-for-sale/) - Real estate in the Palm Springs area may be less expensive than San Francisco or the Bay Area, but if you've got an extra $5 million burning a hole in your pocket, how about picking up Bing Crosby's former home in Rancho Mirage. Has Real Estate Recovered in the Coachella Valley? It just went on
- [Los Angeles Market Snapshot](https://entertainmentmortgage.com/los-angeles-market-snapshot/) - Is the sky falling? There is a lot of talk about the direction of the market. Here are the facts - the Los Angeles market snapshot up-to-date as of the end of January 2019. These numbers cover all of Los Angeles. We will high-lite specific cities in future posts. Are more homes on the market?
- [Real Estate Trivia](https://entertainmentmortgage.com/mortgage-trivia-entertainment-mortgage/) - Ready for some real estate trivia? Ready to challenge your friends? Let everyone know how you did in the comments. Try this Real Estate trivia game at a party. Challenge your friends. It isn't so easy, is it? You can show them how smart you are. Or, better yet, share on your social media.
- [A First Time Homebuyer's Personal Story](https://entertainmentmortgage.com/first-time-homebuyer/) - There are few people you can learn better from than the ones who have been there/done that. In her Forbes article outlining her experience as a first time homebuyer, Julia Delitt names a few things she did not expect from it. Dellitt and her family were living in an apartment, finally ready to make the
- [DIY For the First Time Home Buyer](https://entertainmentmortgage.com/diy-for-home-buyers/) - When you own your own home, no matter how unskilled you are with tools, there are some basics you need to know. As a first time home buyer, be prepared. Following are just the basics - honest. If you love DIY, then homeownership will be a playground for you, but if you don't, you still
- [Quick Tip Tuesday-Your Earnest Money Deposit](https://entertainmentmortgage.com/quick-tip-tuesday/) - VIDEO
- [What's the deal with gift funds as a down payment?](https://entertainmentmortgage.com/gift-funds/) - Down payments are common for first-time homebuyers. It seems that the initial financial stab at home ownership is among the greatest roadblocks of owning a home, especially in high-cost urban housing markets. Gift funds are often the answer. Family members willing to pitch in financially are a boon to getting into a home sooner than
- [Why is my Credit Score for my Mortgage Different from CreditKarma?](https://entertainmentmortgage.com/mortgage-credit-score-vs-creditkarma/) - The three major credit reporting bureaus are private companies that are in business for one reason - to make money. They sell information to anyone willing to pay for it – in fact, selling lists is their largest single profit center. Separate from the credit bureaus are the companies who developed the scoring models; FICO
- [How to Best Take Advantage of Falling Interest Rates](https://entertainmentmortgage.com/how-to-best-take-advantage-of-falling-interest-rates/) - By now you’ve heard that the Federal Reserve dropped its key interest rate by .25%. How can you best take advantage of these falling rates? I have clients who want to refinance for any number of reasons but originally thought the best approach was to wait for rates to drop before they apply for a
- [Gift funds - 25 Percent of First Time Home Buyers Say Yes](https://entertainmentmortgage.com/gift-funds-2/) - Using gift funds for your downpayment? For first-time home buyers, the lack of down payment is among the greatest roadblocks. Family members willing to pitch in financially are a boon to getting into a home sooner than it would happen otherwise. In fact, 25 percent of first-time homebuyers used cash they received as a gift
- [Staycation - No-brainer time off](https://entertainmentmortgage.com/staycation/) - Why not eliminate the need for airports, packing and unpacking bags, and paying for hotel rooms while using up that precious vacation time? You can if you plan a staycation — something increasing in popularity and fast becoming an art form. Like all art forms, it takes a bit of work and planning to achieve.
- [Quick Tip Tuesday - How NOT to Use Your Homeowners insurance](https://entertainmentmortgage.com/homeowners-insurance/) - VIDEO
- [First-time homebuyers. First Comes Love . . .  Then Comes Mortgage?](https://entertainmentmortgage.com/first-time-homebuyers/) - Many first-time homebuyers are married. It is no surprise that having two incomes to contribute to monthly housing costs makes buying a home more attainable. It also makes saving for a down payment a more attainable goal. According to the National Association of REALTORS most recent Profile of Home Buyers & Sellers, married couples once
- [Do You Know the Real Cost of Renting vs. Buying?](https://entertainmentmortgage.com/rent-vs-buy/) - Rent or buy. What is best for you? Some Highlights: Historically, the choice between renting or buying a home has been a close decision. Looking at the percentage of income needed to rent a median-priced home today (30%), vs. the percentage needed to buy a median-priced home (15%), the choice becomes obvious. Every market is
- [Millennials Flock to Low Down Payment Loan Programs](https://entertainmentmortgage.com/low-down-payment-loan-programs/) - A report released by Down Payment Resource shows that 65% of first-time home buyers purchased their homes with a down payment of 6% or less. The trend continued through all buyers with a mortgage, as 62% made a down payment of less than 20%, which is consistent with findings from December. An article by DS
- [Careful…Don’t Get Caught in the Rental Trap!](https://entertainmentmortgage.com/rental-trap/) - There are many benefits to homeownership but the rental trap can keep you from buying. One of the top benefits is being able to protect yourself from rising rents by locking in your housing cost for the life of your mortgage. Don’t Become Trapped Jonathan Smoke, Chief Economist at realtor.com, reported on what he calls
- [Buying a home? Here's What to Look For When You're House Hunting.](https://entertainmentmortgage.com/buying-a-home/) - When you're ready to buy a home, think carefully about what’s most important to you, both in terms of location and in terms of the house itself. House Hunting can be fun but also overwhelming. When you first jump in your car to spend the afternoon going to open houses, you are excited and filled
- [Homeowners on Golf Courses Find Themselves in a Hole](https://entertainmentmortgage.com/homeowners-on-golf-courses/) - Are you thinking of buying a second home on a golf course? You might want to think again after reading this Wall Street Journal article. Quoting from the WSJ - Beware Golf Course Homes "When Mitch Steller first moved into his house on a lush 117-acre golf course in Southern California, “this was like the
- [Why are mortgage calculators useless?](https://entertainmentmortgage.com/why-are-mortgage-calculators-useless/) - Lending websites almost always offer mortgage calculators, designed to tell you what size mortgage you qualify for. Heck - even my site has one. They are fun to play with but they are useless! Here's why. Your Income First, what interest rate will you plug in? This will vary depending on several important factors: credit
- [Ready for Some Home Design Trends for 2019?](https://entertainmentmortgage.com/home-design-trends-2019/) - Are you ready for home design trends for 2019? Read on . . . 1. Bold wallpaper has been working its way back for a while now. Definitely bold - no washed-out flower patterns. Birds, flowers, clouds and geographical designs are all very in, but make sure they are bold. And of course, you don't
- [Have You Ever Thought About Buying a Manufactured Home?](https://entertainmentmortgage.com/manufactured-home-loans/) - As home prices rise, more home buyers are looking at Manufactured Homes as a viable alternative to "stick built" homes. Historically, mortgages for these manufactured homes have been tough to find, but things, they are a-changin'. What Exactly is a Manufactured Home? If a factory-built dwelling unit is built on a permanent chassis and attached
- [Mortgage Mistake #1 - Moving Money Around](https://entertainmentmortgage.com/mortgage-mistake-1-dont-move-money-around/) - It’s not the house hunt that scares buyers off, it’s applying for a mortgage. It’s easy to mess up. Today is Mortgage Mistake #1 of a 5-part series. Mess up #1 - Moving money from one account to another. Many of you have heard that if you move your home-buying funds from one bank account to another
- [No More Loan Committee](https://entertainmentmortgage.com/loan-committee/) - There are a lot of people (yes, and computer programs) behind the scenes who are involved in getting your mortgage approved. A Loan Committee is not one of them. Let’s look behind the curtain to unmask all these ghost people. The following infographic pertains to Mortgage Brokers because they have a choice of hundreds of
- [Mortgage Mistake #5 - PreQualification vs PreApproval](https://entertainmentmortgage.com/prequalification-vs-preapproval/) - PreQualification vs Preapproval, what's the difference? Over the past 30 years, almost every client who has come to me for a purchase loan has asked me what the difference is between a PreQualification and a PreApproval. The distinction is an important one. It can mean the difference between receiving a final loan approval and losing
- [Mortgage Mistake #2 - Waiting Until You Can Make a 20% Down Payment](https://entertainmentmortgage.com/mortgage-mistake-waiting/) - An even bigger mortgage mistake is waiting until you have enough money for a 20% down payment. It's true that when your down payment is less than 20%, your mortgage will cost you more, but if you wait, the financial benefits you realize by owning rather than renting will be overshadowed. Here's what I mean.
- [Mortgage Mistake #3-Opening New Lines of Credit](https://entertainmentmortgage.com/mortgage-mistake-opening-new-credit/) - Mortgage Mistake 3 - New Lines of Credit. When you are about to purchase a new home, you think about the wonderful, brand new shiny appliances you'll get. The furniture that will reflect your personality, the art, the accessories. Mortgage Mistake 3. Don't! There are multiple reasons for not opening new lines of credit during
- [Mortgage Mistake #4-Changing Jobs or Your Business Structure](https://entertainmentmortgage.com/mortgage-mistake-changing-jobs/) - Mortgage Mistake #4 - Changing jobs or, if you are self-employed, your business structure. Scenario 1: You are an employee with a salary If you are an employee who receives a regular paycheck for the same amount each pay period, here's what happens when you change jobs. The lender who is processing your new loan
- [Mortgage Rate History](https://entertainmentmortgage.com/mortgage-rate-history/) - Interest rates seem high now, but remember, it's all relative. The history of mortgage rates tells a different story. I was a stockbroker in the 80's and remember when interest rates were double digits. When I became a mortgage broker in 1990, my first loan was a refinance for a high-rise in Century City. I remember it
- [Tax and Insurance Impounds - Good Idea or No?](https://entertainmentmortgage.com/tax-and-insurance-impounds/) - The question of tax and insurance impounds is one I usually get, even from experienced buyers. There are mixed thoughts on the matter. Your payment is made up of 4 components. Principal, Interest, Taxes, and Insurance. If you are required to also have Mortgage Insurance (as opposed to property insurance) then that will be the
- [Private Mortgage Insurance - What and When?](https://entertainmentmortgage.com/private-mortgage-insurance/) - If you are required to have Private Mortgage Insurance, you need to understand what it is, why it’s necessary and when it’s required. Mortgage Insurance lowers the risk (to the lender) of making the loan. Basically, it’s an insurance policy for the lender but you, the borrower, pay the premiums. Private Mortgage Insurance = Mortgage
- [A Foreclosure, Short Sale or Bankruptcy in your Past May No Longer Slow up your New Home Purchase](https://entertainmentmortgage.com/a-foreclosure-short-sale-or-bankruptcy-in-your-past-may-no-longer-slow-up-your-new-home-purchase/) - There are new federal housing guidelines to help prior homeowners with a short sale, foreclosure or bankruptcy on their record to re-enter the housing market. The old guidelines made a new home buyer wait a minimum of three years before buying a new home. Now, with credit problems being the rule rather than the exception,
- [How Will the Government Shutdown Affect Mortgages?](https://entertainmentmortgage.com/how-will-the-government-shutdown-affect-mortgages/) - What does the government shutdown mean to you if you are applying for a home loan? For now, essentially nothing! If you're thinking of applying for an FHA loan, you can still move forward as planned. Several media outlets mistakenly reported that there would be a shutdown of FHA's Office of Single Family Housing. These
- [When You Buy a Home…Who’s Your Friend Baby?](https://entertainmentmortgage.com/when-you-buy-a-home…who’s-your-friend-baby/) - One of the most misunderstood aspects of buying a home is “does the real estate agent REALLY represent you, the home buyer?” Yes, you do have the right to ask an agent to solely represent you. Here are some FAQs as to what’s involved and why you should consider it when buying your next home,
- [Make Your Home Renovation Pay for Itself](https://entertainmentmortgage.com/make-your-home-renovation-pay-for-itself/) - Why move to an expensive new house when you can get all the new features you want in your existing home—without any net cost to you! If your existing home has become outdated, cramped, inefficient, uncomfortable or too expensive to maintain, you may think buying a new house is the only alternative. But selling your
- [If You Are Self-Employed Do You Stand a Chance of Getting a Mortgage?](https://entertainmentmortgage.com/self-employed-mortgage/) - The guidelines for obtaining a mortgage these days favor those who get a regular paycheck. Even if you have almost no money for a down payment, the lenders are happy to lend, if you are what they consider "employed". Doesn't matter that you may be laid off and not be able to find another job.
- [Avoid Foreclosure at All Costs](https://entertainmentmortgage.com/avoid-foreclosure-at-all-costs/) - As we've all witnessed in the media this past year, some homeowners can be very hardheaded when they falls into financial hardship and are facing foreclosure on their home. Typically they will resist offers to sell their home. But while noble, this can also be thoroughly disastrous. That's why I think it's critical to point
- [Want to Rent Out Your 2nd Home?](https://entertainmentmortgage.com/want-to-rent-out-your-2nd-home/) - Over the last twenty years or so, the number of people who own a second homes has increased greatly. So what used to seem like just a privilege for few is now something that more and more people enjoy. But given the recent economic downturn, the cost of leaving a second home empty is no
- [Beware of Losing Your Home with a Failed Home Equity Consolidation](https://entertainmentmortgage.com/beware-of-losing-your-home-with-a-failed-home-equity-consolidation/) - No one likes to deal with credit cards and the high interest rates that many of these cards yield, so you might be looking for other options to deal with excess debt. One of the best ways to do this is to take out a home equity bill consolidation loan since this type of loans
- [Goals Toward Homeownership](https://entertainmentmortgage.com/goals-toward-homeownership/) - Owning a home has long been a primary goal for most people. And the good news is that homeownership has become more available in the past twenty or thirty years. So if you dream of owning your own home, I'd like to share some smaller goals you can work on to achieve it: Organize. Start
- [Some Words on Real Estate Investing](https://entertainmentmortgage.com/some-words-on-real-estate-investing-2/) - Just like any other big decision, if you're thinking about getting involved with real estate investing then you need to keep a number of things in mind. Here are 3 things to do and 2 things to avoid so you can be successful. Things To Do Visit the house first. Do a thorough investigation
- [Recommendations for Rental Property Investors](https://entertainmentmortgage.com/recommendations-for-rental-property-investors/) - There are many advantages to owning rental property, including the tax advantages you can enjoy while the mortgage on the property is being paid down. If you manage properly, you can take that rental income tax free all the years you are paying off the mortgage. Then when the mortgage is paid off, the property
- [Advice on Buying a First Home](https://entertainmentmortgage.com/advice-on-buying-a-first-home/) - The housing market has always been a bewildering place, especially for those who have never purchased property before, and the credit crunch/sub-prime lending crisis has only added to the confusion. On the one hand, I have found that many first time buyers are finding great opportunities with house prices falling significantly. However, buying a home
- [Defining Different Types of Home Sales](https://entertainmentmortgage.com/defining-different-types-of-home-sales/) - If you've always wondered the difference between different types of home sales, you're not alone. People in the industry love to throw around "buzz words" like foreclosure, shortsale, bank owned, etc. But if you don't know what they mean, it doesn't do you any good. Here's a quick breakdown to help you see the difference:
- [Choosing the Best Loan For You](https://entertainmentmortgage.com/choosing-the-best-loan-for-you/) - A home mortgage will probably be the largest financial commitment you will ever make. So shopping for a home loan means finding the right mortgage package - one that is the best for your financial needs. This can be a total nightmare, so make sure you are working with a lender you trust and can
- [Interested in a Fixed Rate Mortgage](https://entertainmentmortgage.com/interested-in-a-fixed-rate-mortgage/) - Does the idea of a mortgage with a fixed interest rate sound appealing? After watching interest rates go up and down unexpectedly, lots of home buyers think searching and locking into the best fixed rate mortgage is the way to go. But just as important is a thorough understanding of fixed-rate mortgages and what it
- [Catching and Understanding Closing Costs](https://entertainmentmortgage.com/catching-and-understanding-closing-costs/) - So you have selected a house, and now you are getting down to the nitty-gritty on what it will really cost you to get into it. Your lender is required by law to give you a "Good Faith Estimate" of your closing cost expenses along with a booklet from RESPA, outlining "closing" or "settlement" fees.
- [What Should a Good Loan Officer Do For You?](https://entertainmentmortgage.com/what-should-a-good-loan-officer-do-for-you/) - So, you want to purchase a home and need to decide on a loan officer to help you through the loan process, but you're not quite sure what to expect. Well, overall a good loan officer should act as your liaison during the entire loan search, application, and approval process. Typically they will conduct and
- [Experience Homeownership with an FHA Loan](https://entertainmentmortgage.com/experience-homeownership-with-an-fha-loan/) - Purchasing a home loan is not always an easy feat, and people with lower incomes, including first-time homebuyers, often have a hard time getting approved for a home loan. So what are the options? For individuals who need a little extra help, an FHA loan might be the answer you are looking for. Where do
- [Are You Eligible for a VA Mortgage?](https://entertainmentmortgage.com/are-you-eligible-for-a-va-mortgage/) - If you or your spouse is a veteran, getting a VA mortgage is a great option to know more about, and it guarantees the lender 25% of the home loan (up to $104,250 of a maximum loan of $417,000) if you default. This guarantee makes it easier for you to find attractive financing with no
- [Is a Condo the Choice for You?](https://entertainmentmortgage.com/is-a-condo-the-choice-for-you/) - While you may have already found the perfect condo for you and your family, you still want to explorer the possibilities of this purchase before you sign on the dotted line. Many people planning to purchase a new home forget to do their homework and either end up with less home for their money or
- [Time to Expose and Debunk Refinance Myths](https://entertainmentmortgage.com/time-to-expose-and-debunk-refinance-myths/) - Many times, what we know about refinancing (and mortgages in general) comes from what our family, friends, and coworkers are continually telling us. While it's a good idea to seek advice from people you trust, be careful to avoid outdated information and, more importantly, information that is wrong altogether. The housing market is always changing,
- [Fixed or Adjustable?](https://entertainmentmortgage.com/fixed-or-adjustable/) - If you are looking for your first new home and are reviewing mortgage materials, you might be wondering if you should sign up for a fixed rate mortgage or an adjustable rate mortgage. Which one makes the most sense? A fixed rate mortgage means that your rates are fixed in place for the length of
- [How Much Down Payment?](https://entertainmentmortgage.com/how-much-down-payment/) - In the old days, the question of how much you should put down for a down payment on a home was simple – ten percent. But these days, ten percent of a home’s value is a lot of money, and many homebuyers searching for their new home simply do not have that kind of money
- [Beware of Longer Term Mortgages](https://entertainmentmortgage.com/beware-of-longer-term-mortgages/) - As you know, there are a lot of different mortgages on the market these days, and it can be tough to know which one is right for you. Some people swear by the traditional 25 year mortgage, meaning that your house will be completely paid off in a quarter of a century. But recently, companies
- [Finding A Home With Real Value](https://entertainmentmortgage.com/finding-a-home-with-real-value/) - Buying real estate can be a worthy enterprise. There is a considerable amount of money in real estate, and much to be gained from investing in worthwhile real estate. There are plenty of homes on the market today, but in a tough economy it can be hard to find real estate worth buying. So, when
- [Finding a Mortgage Broker](https://entertainmentmortgage.com/finding-a-mortgage-broker/) - All right, you want to buy a home. You have decent credit, very few debts, and no outstanding bills. You have a good job that pays well, with a decent employment history to review. You have the money for a down payment... you've got it all, right? Nope. You need a mortgage broker. A mortgage
- [Don't be a Home Buying Victim](https://entertainmentmortgage.com/dont-be-a-home-buying-victim/) - A lot of borrowers will quite innocently cause the downfall of their mortgage. Â You can avoid potential problems by following these 10 simple commandments: Thou shall not change jobs or become self-employed. Thou shall not buy a car, truck or van unless you plan to live in it. Thou shall not increase your credit card
- [The Price Is The Same But The Cost Is Less](https://entertainmentmortgage.com/price-vs-cost/) - These numbers are truly amazing. It makes great financial sense to purchase a home today, and here's why. Look at the actual COST of a home right now compared to previous years. Residential real estate values have returned to 2003 first quarter prices. That in itself, says something, but when you factor in today's much
- [Guidelines for Your New Mortgage](https://entertainmentmortgage.com/mortgage-guideline/) - As underwriting guidelines for lenders become more stringent, we need to re-examine what a good mortgage application looks like. As you begin your search for a home, there are a few items that you should be aware of that will help get your loan approved - and with the best possible rate and terms. At
- [No Equity? You Can Now Refinance Into a Great Rate.](https://entertainmentmortgage.com/harp-2/) - It's finally here. No matter how underwater your mortgage is you may be able to refinance to today's low rates. You current loan must meet certain criteria. Here are some of the highlights. There in no maximum Loan To Value. There is no Income Requirement There is no Asset Requirement Primary Residence, Second Home and
- [How to Win Real Estate Listings](https://entertainmentmortgage.com/how-to-win-real-estate-listings/) - You’ve worked hard to get that listing appointment. Today is the day. Now what? Frankly, most listing presentations are boring, boring, boring. Every real estate agent's spiel is just about the same - the exception being the price. The agent thinks "how do I present a realistic price but compete with an agent who comes
- [6 Simple Steps to Protect Yourself From Identity Theft](https://entertainmentmortgage.com/6-simple-steps-to-protect-yourself-from-identity-theft/) - It's human nature to think "it won't happen to me. It's always the other guy" but don't kid yourself. As many as nine million Americans have their identities stolen every year. That's a staggering number. If you've ever known anyone who has gone through this particular hell, you know how life-altering it can be. Here
- [Real Estate Marketing-Raise the Bar In 2012](https://entertainmentmortgage.com/real-estate-marketing-raise-the-bar-in-2012/) - This is the perfect time to raise the bar in your real estate business. Re-dedicate your efforts to list or sell more homes, make more contacts, learn more strategies. The first step is your real estate marketing plan. Without a plan you’ll waste time and money. Let’s work first from the numbers you want to
- [Do You Believe in Signs?](https://entertainmentmortgage.com/do-you-believe-in-signs/) - If you pay attention, just keep your eyes and ears and intuition open, there are bits of information that foretell the future. In 1982, when I was a wet-behind-the-ears stock broker, interest rates were 17%. Nothing much was happening at work, so I took off for Hawaii for a few days. It was October. I
- [Our Cell Phone Numbers Given to Telemarketers?](https://entertainmentmortgage.com/our-cell-phone-numbers-given-to-telemarketers/) - For any of you who haven't heard this ..... this month all cell phone numbers are being released to telemarketing companies and you will start to receive sales calls. .... YOU WILL BE CHARGED FOR THESE CALLS To prevent this, call the following number from your cell phone: 888-382-1222. It is the National DO NOT
- [Should You Wait?](https://entertainmentmortgage.com/should-you-wait/) - One of the questions that are always asked of Real Estate Agents and Mortgage Professionals is "should I buy, or wait?" There is so much press about falling rates, rising rates - falling prices, short sale nightmares and on and on . . . Buyers are confused and looking to professionals for guidance. What better
- [Real Estate Agents - What Makes You Different?](https://entertainmentmortgage.com/real-estate-agents-what-makes-you-different/) - In the past we've talked about standing out from your competition. In fact, every time you go to a seminar or conference on increasing your business, the speaker will lead off with "What Is Your Unique Value Proposition"? Not to beat it to death, but with so much competition in your local market, coming up
- [Sony's Cool New 3-D Recording Binoculars](https://entertainmentmortgage.com/sonys-cool-new-3-d-recording-binoculars/) - Most of you know that I'm pretty much of a geek when it comes to gadgets and toys. These new Sony 3-D HD binoculars are amazing. and I can't help but think they might be great on a film set. With four-figure price tags, Sony’s DEV-3 and DEV-5 digital recording binoculars, which are due to
- [Steve, You Will Be Missed.](https://entertainmentmortgage.com/steve-you-will-be-missed/) - Steve was more than a visionary, he was an inspiration to millions. There will never be another Steve Jobs. You will be missed.
- [Real Estate vs the Stock Market](https://entertainmentmortgage.com/real-estate-vs-the-stock-market/) - In the 80's I was a stock broker then after a few turns in the road, I became a mortgage broker. Still the age-old debate: is the stock market or real estate a better investment? Other than the usual discussion about liquidity vs non-liquidity there is a clear winner. When there’s volatility in the housing
- [Know Your Credit Score](https://entertainmentmortgage.com/know-your-credit-score/) - If you're looking into purchasing your first home, one of the very first things you should look at is your credit score. While the amount of money you make is very important, and the size of your damage deposit will matter, a poor credit score will sink your mortgage application faster than any other problem.
- [Don't Miss Out on Real Estate Foreclosures](https://entertainmentmortgage.com/dont-miss-out-on-real-estate-foreclosures/) - Today's marketplace offers many property investment opportunities, especially with the dramatic rise in foreclosures. Real estate foreclosures can now be purchased for pennies on the dollar and come in a variety of homes and price ranges (and even timeshare properties). Low Prices While the location and nearby amenities will play a role in the overall
- [Thinking of Selling Your Home Yourself - Really?](https://entertainmentmortgage.com/thinking-of-selling-your-home-yourself-really-2/) - For all of you who are thinking of selling your home, read on. This is a great story that was reported in the "Wall Street Journal". It seems that the person who founded the original forsalebyowner.com put his house on the market this year. Well let’s go over a little bit of history. He founded
- [Online Mortgage Calculators](https://entertainmentmortgage.com/online-mortgage-calculators/) - An online mortgage calculator can be one of the best and easiest ways to help you calculate your various mortgage expenses. It will help you determine what combination of elements must come together in order for you to get the best home loan for your financial situation. When using a mortgage calculator, keep an eye
- [The Basics of a Short Sale](https://entertainmentmortgage.com/the-basics-of-a-short-sale/) - If you haven't already noticed, millions of homes have entered the housing market as short sales. So you may be asking yourself, "What is a short sale?" Â Basically, the term "short sale" is used when lenders allow borrowers to sell their property for less than what they owe on their mortgage. Therefore, when a short
- [New Maximum Loan Limits in California](https://entertainmentmortgage.com/new-maximum-loan-limits-in-california/) - Lots of new changes and regulations in loan guidelines yet again. Jumbo loans are still the most difficult to get. Whenever possible, a conforming loan - or a High Balance conforming loan will be the easiest to obtain. High Balance Conforming loans are those above $417,000 but not large enough to be considered Jumbos. A High
- [Buying a Foreclosure Property - Behind the Scenes](https://entertainmentmortgage.com/buying-a-foreclosure-property-behind-the-scenes/) - Today, if a buyer finds a house for sale as a traditional sale, both the buyer and real estate agent sigh in relief. No bank-as-seller to deal with in a reo (foreclosed) property sale. When a buyer makes an offer on a foreclosed property, the selling bank will generally take a long time to respond.
- [Thomas Friedman - Economic Recovery?](https://entertainmentmortgage.com/thomas-friedman/) - Before my workout this morning, I was watching The Early Show on CBS. There was an interview with Tom Friedman, the New York Times foreign affairs columnist. I really like listening to Tom. He’s very clear in his explanations of what’s happening in the world without a lot of editorializing and jargon. This morning Chris
- [Five Ways to Compare Mortgage Companies](https://entertainmentmortgage.com/five-ways-to-compare-mortgage-companies/) - Finding the right mortgage for your new home is a big decision, so here are five factors to help you understand which company will work best for you: 1) Fees and Interest Rates You should always make sure that the fees are appropriate and the interest rates are affordable. Nobody wants to pay fees that
- [Smart Moves Toward the Best Mortgage Rate](https://entertainmentmortgage.com/smart-moves-toward-the-best-mortgage-rate/) - Whether you need a mortgage to purchase your first home or are simply looking into refinancing your existing mortgage, you absolutely must find the best mortgage rate if you want to make a positive financial decision. Let me help you by providing a few tips: Shop around for the best rate. Although we are in
- [The Basics of an FHA Loan](https://entertainmentmortgage.com/the-basics-of-an-fha-loan/) - First of all, FHA stands for Federal Housing Administration. That means the FHA regulates these loans and offers them at more competitive terms and rates to keep home ownership affordable for a wider variety of people. That's also why FHA Home Loans are ideal for first time homebuyers or those with less than perfect credit.
- [Getting a Home Loan with Bad Credit](https://entertainmentmortgage.com/getting-a-home-loan-with-bad-credit/) - If you have bad credit, then you may think you have no options available to you when it comes to financing a home loan. However, there are still some home loans available that might be able to suit your needs. Understanding Bad Credit Mortgages Bad credit mortgages are designed for people who have a poor
- [De-Stressing Tips for Buying a Home](https://entertainmentmortgage.com/de-stressing-tips-for-buying-a-home/) - It's true, buying a home can seem a little stressful at times. If you're new to the process, you might feel overwhelmed with all of the things you need to do. However, if you break it down into manageable steps, it's not really that difficult. With the proper guidance, you can get through this, relatively
- [Don't Let the First Time be the Worst Time](https://entertainmentmortgage.com/dont-let-the-first-time-be-the-worst-time/) - As a first time home buyer, the process can be exciting or it can be a nightmare. If you know what you're doing ahead of time, you can save yourself a lot of headaches and trouble. So here are a few things you should know before jumping in headfirst: Know Your Credit Score As you've
- [California-Wide Mortgages](https://entertainmentmortgage.com/california-wide-mortgages/) - I just want to remind everyone that I'm servicing clients all over California. I split my time between Beverly Hills and Palm Desert but since many of you have moved outside of these areas I'm servicing all of California. I've also had great luck with a credit correction and restoration company and will be referring
- [Knowing Is Half The Battle](https://entertainmentmortgage.com/knowing-is-half-the-battle/) - If you are interested in finding your first home, the worst thing you can do is just start looking around. Why? Because you might be setting yourself up for a big disappointment. If you start looking without knowing what your actual budget is, you will have no idea what sort of home, or which areas
- [First, Pay Off Old Debts](https://entertainmentmortgage.com/first-pay-off-old-debts/) - If you are looking into purchasing your first home, you might be tempted to start saving every penny you can for your down payment. But in reality, there are some other payments you should be making first... If you have any outstanding debt, the time to pay it off is now. Not only will a
- [Don't Miss Out On Extended Tax Credit](https://entertainmentmortgage.com/dont-miss-out-on-extended-tax-credit/) - I've mentioned this before, but I want to make sure that anyone interested is aware in time to take advantage of this great opportunity. Basically, as part of its plan to stimulate the U.S. housing market and address the economic challenges facing our nation, Congress has passed new legislation that... Extends the First-Time Home Buyer
- [Good News: Home Buyer Tax Credit Extended](https://entertainmentmortgage.com/good-news-home-buyer-tax-credit-extended/) - If you haven’t already heard, Congress has extended and expanded the home buyer tax credit. This means extra time for those of you who weren’t able to close by the original December 1, 2009 deadline, and an added credit if you’re a current homeowner looking to purchase. Why is this such good news? Because there
- [How Debt Consolidation Helps Homeowners](https://entertainmentmortgage.com/how-debt-consolidation-helps-homeowners/) - Too many homeowners are living large with budget-busting spending habits and are facing the same bleak outlook no matter where they live across the nation. For many, it's becoming a make-or-break situation just trying to pay their household bills everymonth. But those who have taken the first step in consolidating their bills are finding out
- [8 Steps To Take Before Purchasing a Home](https://entertainmentmortgage.com/8-steps-to-take-before-purchasing-a-home/) - There's a great deal more to buying a home than you might think at first. Finding the home of your dreams and making an offer is a major part, but there are steps you must take first to prepare for the purchase so that everything can run smoothly. I don't mean spending months learning from
- [How Much Home Can You Afford?](https://entertainmentmortgage.com/how-much-home-can-you-afford/) - With demand dropping in the real estate market, now is the perfect time to get a great deal on a home, especially if you are considering stepping up into a bigger, more luxurious home. Deciding How Much is Too Much My advice is, if you are looking for a new home, take some time to
- [First Time Home Buying Credit Almost Over](https://entertainmentmortgage.com/first-time-home-buying-credit-almost-over/) - If you are interested in buying your first home, you may not want to wait any longer. The end is in sight for the $8,000 first time home buyer's credit offered by the Federal Government. It will officially end on December 1, 2009 and your home must be purchased and closed on or before that
- [Avoiding Risky Home Loans](https://entertainmentmortgage.com/avoiding-risky-home-loans/) - Nobody wants to get stuck in a situation where you buy a home and then later loose it to foreclosure. If I can offer any advice, it would be to always be careful BEFORE getting a loan by making sure you understand the terms, and seeing that it fits your budget the best it can.
- [I Hear It All the Time, But What is Real Estate Escrow?](https://entertainmentmortgage.com/i-hear-it-all-the-time-but-what-is-real-estate-escrow/) - Well, if you want to get technical, Escrow is defined as "a legal arrangement in which a neutral third party holds an asset during the period in which the conditions of the deal is being finalized by the other two parties." But that doesn't really help much, does it? Unless you are working with these
- [4 Ways to Save on Your A/C Bill](https://entertainmentmortgage.com/4-ways-to-save-on-your-ac-bill/) - If you're like me, you're thinking that running your air conditioning system usually ends up being very costly throughout the summer months, especially if it's used incorrectly. And what you may not realize is that a large portion of your homes energy bill is made up from your air conditioning system. So below are 4
- [Investing in a Real Estate Investment Trust](https://entertainmentmortgage.com/investing-in-a-real-estate-investment-trust/) - There is a common misconception when it comes to taking part in real estate investing and that misconception is that an individual must be a "big money player" in order to wheel and deal in property. This assessment is a rather inaccurate one as there are a great many opportunities available to those who only
- [Money Saving Secrets to Buying](https://entertainmentmortgage.com/money-saving-secrets-to-buying/) - Home purchasing is about finding the right house, and this includes getting the right cost. Here are 3 basic methods to purchase a home for less. Buy In Cheap Cities Yes, there are still cheap cities that you may actually wish to live in. In truth, there are still cities in this country where you
- [Six Things You Shouldn't Do Before Buying a Home](https://entertainmentmortgage.com/six-things-you-shouldnt-do-before-buying-a-home/) - Just because you're buying a home doesn't mean your life has to be put on hold…or does it? You never know what affect today's actions will have on your mortgage application in three or even six months. Even something as simple as transferring money from your savings to your checking account can create a hassle
- [Don't Make These Mortgage Mistakes](https://entertainmentmortgage.com/dont-make-these-mortgage-mistakes/) - Home mortgages are a tricky business. It isn't everyday that you shop for a home, so naturally, I don't expect you to be experts with the home mortgage process. However, since a mortgage is such a large amount of money, I want you to be as prepared as possible. To help you get started, here
- [FREE websites for FSBO's and realtors](https://entertainmentmortgage.com/free-websites-for-fsbos-and-realtors/) - Do you want a free website to market your home or listings?
- [Mortgages and Maintenance](https://entertainmentmortgage.com/mortgages-and-maintenance/) - As a homeowner myself, I can tell you that your home isn't a stationary object - it's a living thing that always seems to need attention and maintenance to stay healthy. Sadly, the money needed to keep up with your home isn't always readily available. However, if you are looking for a convenient source of
- [Realtors, want to expand your business fast?](https://entertainmentmortgage.com/realtors-want-to-expand-your-business-fas/) - I'm working on a great presentation to help realtors with social networking. They're too busy to figure it all out and incorporate it as part of their marketing so I'm gonna' help. Make it easy in 15 minutes a day. Whatever business you're in, it's worth really studying how to do it right. It
- [Wondering If You Should Refinance?](https://entertainmentmortgage.com/wondering-if-you-should-refinance/) - Before we get into when and why you should refinance, I want to quickly define what exactly it means to refinance. In a nut shell, refinancing is when you pay off your current mortgage with a new one. So what's the point of that? The whole point of refinancing a mortgage is to take advantage
- [Homeownership Pros and Cons](https://entertainmentmortgage.com/homeownership-pros-and-cons/) - Before purchasing my first home, I found myself weighing the pros and cons of what that actually ment. And I think there comes a point in most people's life when they start to consider the same ups and downs of homeownership. While it may seem like a large, intimidating expense, it's important to realize the
- [Want To Save Some Money?](https://entertainmentmortgage.com/want-to-save-some-money/) - The Department of Energy reported that the average cost of utilities in American homes is $1,600 a year. How much is it for you? It's a lot more than that in my home, so anything that you and I can do to bring that figure down makes sense. Right now, many homeowners have seen their
- [The Skinny on Home Inspections](https://entertainmentmortgage.com/the-skinny-on-home-inspections/) - Let's face it - we can't all be experts on living structures. We may know some of the things to look for, but a lot of significant problems go right past our eyes. That's why I think it's a good idea to pay a home inspector to thoroughly go over any house you're planning to
- [It's a Good Time To Buy](https://entertainmentmortgage.com/its-a-good-time-to-buy/) - If you ask me, this is a good time to buy a home providing you can afford it. If we've learned anything about the current disaster in the home-buying market, it's that buying a home you can't afford inevitably leads to disaster. And in this case, the disaster is not only in the families that
- [The Story This Past Month](https://entertainmentmortgage.com/the-story-this-past-month/) - For those of you who like me are visual, I'm posting a simple graph that shows what the mortgage backed securities have done since May 12. They hit their low point on May 14. Don't forget, rates move inversely with the price of the security so you can see how dramatically they have shifted in
- [Not everyone loses](https://entertainmentmortgage.com/not-everyone-loses/) - Ok, I admit this has nothing to do with mortgages and real estate, but all of us who tend to get caught up in how awful things are right now, could take a lesson from these giants. It all comes from having a vision and believing in yourself. We can all learn to rise above.
- [Anticipating Settlement Costs](https://entertainmentmortgage.com/anticipating-settlement-costs/) - For first-time home buyers, all the fees and extra costs beyond what they are paying for their new house may come as a shock. So it's best to know about them upfront to avoid being caught off guard. One of the most common questions asked is, "Do I pay the realtor?" And the answer to
- [Understanding Loss Mitigation](https://entertainmentmortgage.com/understanding-loss-mitigation/) - While there is much said these days about foreclosure there is little said about avoiding foreclosure. Part of the reason is that the media has a tendency to center on the worst case scenarios associated with a problem. This is unfortunate because it leads to a situation where people don't receive the help that is
- [Properly Conducting a Closing](https://entertainmentmortgage.com/properly-conducting-a-closing/) - No venture will run smooth without proper preparation and when it comes to something as critically important as a real estate closing, would you want the closing to come off anything less than smooth? More than likely, you would probably prefer that all goes well with the closing and that no unforeseen problems occur. While
- [What's with these mortgage rates?](https://entertainmentmortgage.com/whats-with-these-mortgage-rates/) - The big question on everyone's mind right now is; what's with these interest rates? Beginning on Thursday, May 21, rates began to move up, dramatically. They are now a full 1% higher than they were just a couple of short weeks ago. What's going on, and will they come back down? How many of you procrastinated about refinancing, now think you've missed the boat?
- [The 2009 Home Buyer Tax Credit at a Glance](https://entertainmentmortgage.com/the-2009-home-buyer-tax-credit-at-a-glance/) - There have been a lot of questions recently about the new tax credit for first-time home buyers. I say "new" because it does differ from the credit allowed in 2008. Here are the highlights: The tax credit is for first-time home buyers only. The IRS defines a first-time home owner as; 1) someone who has never
- [What Do the New Appraisal Guidelines Mean to You?](https://entertainmentmortgage.com/what-do-the-new-appraisal-guidelines-mean-to-you/) - I've been talking about the new appraisal guidelines and what a problem it will be for those who want to refinance. In a nutshell, the mortgage originator will not be allowed to have any contact with the appraiser. This means that the person determining the value of your home may not be familiar with your
- [The Best Explanation I Have Ever Seen](https://entertainmentmortgage.com/the-best-explanation-i-have-ever-seen/) - I found these videos on revolutionradio.org. Without question (and without the usual "jargon") these are the best explanations of what has caused our current predicament that I have ever seen. And it shows why it's much more wide ranging than just mortgages. Sit down with a martini before viewing: Now get your second martini: As
- [The Lull Between Christmas and New Year's](https://entertainmentmortgage.com/the-lull-between-christmas-and-new-years/) - As you can imagine, not much has happened in the markets the past few days. I don't expect much until the New Year. Lenders are changing their guidelines but rates are holding steady. I have one huge objection to these low rates the lenders are screaming from the rooftops. Almost no one qualifies. The banks
- [An Old War Horse](https://entertainmentmortgage.com/an-old-war-horse/) - Who's the Old War Horse? Why, me, of course. I've lived through so many up-swings and down-turns in the market - it's exhausting. In the early 80's when I was a stockbroker, rates were in the mid to high teens. The later 80's saw drastic changes in the real estate depreciation laws causing a crash in
- [A Dirty Little Secret (that you already know)](https://entertainmentmortgage.com/a-dirty-little-secret-that-you-already-know/) - When I was a stock broker in the early 80's, I remember my manager announcing to the entire office that we had to sell a certain stock that day. Our company had accidentally overbought a specific stock issue and we had to get rid of it, so sell! sell! sell! Who cares if it fits into
- [As If We Don't Have Enough to Worry About](https://entertainmentmortgage.com/as-if-we-dont-have-enough-to-worry-about/) - I read today that over 45 percent of Americans have at least one medical collection on their credit report. Even though the lenders say they don't hold that against you, the truth is medical collections can affect your credit score to such an extent that you are unable to qualify for the loan you've applied for. Medical
- [What Really Happened???](https://entertainmentmortgage.com/what-really-happened/) - A few months ago, one of my colleagues emailed this slide show to me. In cartoon, which seems fitting somehow, this will show you how the mortgage mess really came about. Everyone is busy blaming everyone else. Let's face it - there's plenty of blame to go around. Now while President Elect Obama and his people
- [Welcome To The New Entertainment Mortgage Blog](https://entertainmentmortgage.com/welcome-to-the-new-entertainment-mortgage-blog/) - I'd like to welcome everyone to the new Entertainment Mortgage Blog and website. We've reinvented ourselves to better respond to our clients' requests in this difficult market. We hope you will be active on this blog and comment frequently so we can gear our business to respond to your most pressing needs. These posts will be updated

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- [Home](https://entertainmentmortgage.com/) - Mortgages for the Entertainment Industry and Self-Employed Borrowers Do you want to know how much you qualify for? Book a FREE Consultation You want to buy a home but don't know where to start? Let's Chat - No Strings!!! From gaffers to Grammy winners - and everyone in between - we help you qualify for #
- [Home Equity Guidance](https://entertainmentmortgage.com/home-equity-guidance/)
- [Freelancer/Self-Employed Mortgage Guidance](https://entertainmentmortgage.com/freelancer-self-employed-mortgage-guidance/)
- [Resources](https://entertainmentmortgage.com/resources-2/)
- [Loan Spotlight](https://entertainmentmortgage.com/loan-spotlight/) - Welcome to our Loan Spotlight - where we showcase some of the most innovative, flexible, and in-demand mortgage solutions available. Traditional mortgage approval typically relies on W-2s, tax returns, and pay stubs-but those documents don't always tell the whole story. This is especially true for freelancers, business owners, and retirees whose income may not fit
- [Disclaimer](https://entertainmentmortgage.com/disclaimer/) - GENERAL DISCLAIMER AND TERMS AND CONDITIONS ACCEPTANCE OF TERMS AND CONDITIONS Entertainment Mortgage maintains this website and various social media profiles (collectively the “Site”) to provide you with information regarding its products and services. The following Terms and Conditions (“Terms”) govern the use of the Site. Using the Site constitutes your agreement to the Terms,
- [Privacy](https://entertainmentmortgage.com/privacy/) - Privacy Notice Effective Date: January 1, 2025 This privacy notice discloses the privacy practices for Entertainment Mortgage and our website; https://entertainmentmortgage.com. This privacy notice applies solely to information collected by this website, except where stated otherwise. It will notify you of the following: What information we collect; With whom it is shared; How it can
- [About Jean](https://entertainmentmortgage.com/about-jean-gallagher/) - Your Mortgage Partner in the Entertainment Industry Because your income may be unique, but your mortgages needs are the same. Entertainment Mortgage was founded on a simple truth: traditional banks don't understand entertainment and self-employed borrowers. Too many hardworking people - from crew members to musicians to independent creatives - have been told "no" by
- [Confirmation](https://entertainmentmortgage.com/confirmation/)
- [Hot Loans - Summer 2024](https://entertainmentmortgage.com/hot-loans-2024/) - UNDER CONSTRUCTION
- [Hot Loans for Summer 2024](https://entertainmentmortgage.com/hot-loans-for-summer-2024/) - UNDER CONSTRUCTION
- [Purchase](https://entertainmentmortgage.com/purchase/) - If you can't wait, call or text direct 310-429-8070 Or make a phone appointment for a free 30-minute consultation here.
- [Reverse Mortgages](https://entertainmentmortgage.com/reverse/) - Reverse mortgages have a bad rap - consumers who have seen TV ads for reverse mortgages have a number of misconceptions about what the loans are and how they work. The truth is, while a Reverse Mortgage isn't suitable for everyone, for others, it is ideal. It will eliminate monthly mortgage payments, freeing up that
- [Whitelist me!](https://entertainmentmortgage.com/whitelist-me/) - I promise, this takes only seconds. For non-Gmail users: If you're using any email client other than Gmail, visit whitelist guide and choose your email provider. For Gmail users: If you are using Gmail, the only way to whitelist a sender is to create a filter that categorizes the sender's emails as belonging in the
- [Sorry to Burst Your Bubble](https://entertainmentmortgage.com/sorry-to-burst-your-bubble/) - Sorry to burst your bubble, but we’re not in one, housing experts say Today's rising home prices and a persistent seller’s market differ from the 2008 housing bubble in a few key ways, economists told Inman. In short, don't expect bubbles bursting anytime soon. Historically low inventory led buyers to make rushed decisions. Bidding wars
- [FAQ's](https://entertainmentmortgage.com/faqs/) - How long have you been in business? Expand In 1990 I started work as a mortgage originator with a savings & loan in the days when there were such things. After six months I moved to a mortgage company where I worked for a year. I realized at that time I had learned all I
- [2-Week Purchase Mortgage](https://entertainmentmortgage.com/2-week-loan/) - Can we really get your purchase mortgage completed in 2 weeks? You bet we can. Loan Amounts from $300,000 to $3 million. All we ask is that we have a complete loan package from you before you have a signed purchase contract. Go here when you're ready to fill out the application. (Don't worry if
- [Conquest](https://entertainmentmortgage.com/conquest/) - The Conquest Loan Program PURCHASES AND REFINANCES. 30-YEAR FIXED RATES STARTING AT 2.5% Key Features Rates ranging from 2.5%-3.125% Primary and Second Homes only No cash out Close 21 days or less Appraisals usually waived Available for entertainment and non-entertainment borrowers throughout California. See if your property is eligible. Fill out this short form for
- [Conventional Loan Limits](https://entertainmentmortgage.com/resources/conventional-loan-limits/) - 2020 Conforming Loan Limits for All California Counties The table below shows the 2020 conforming limits for all 58 counties in California, listed in alphabetical order.
- [Congtratulations!](https://entertainmentmortgage.com/thanks/) - Congratulations! Your Guide is on its way, but you're not done yet . . . Do You Want to Know in Advance What Size Loan You Qualify For Right Now? This might be the most important message you'll read all year. . . Dear Entertainment Industry Professional, When you work on multiple jobs each
- [Thanks for joining us!](https://entertainmentmortgage.com/thanks-for-joining-us/) - Thanks for signing up for our bi-weekly real estate and mortgage posts. If you're thinking of buying selling, refinancing or you just want to keep up with what's happening in the California real estate market you're in the right place. You'll get lots of tips and inspiration. While you're at it, come like our Facebook
- [Post #2654](https://entertainmentmortgage.com/post-2654/)
- [Refinance](https://entertainmentmortgage.com/refinance/) - If you can't wait, call or text direct 310-429-8070 Or make a phone appointment for a free 30-minute consultation here.
- [Services](https://entertainmentmortgage.com/mortgage-services/) - Here's how we can work together to make certain that you get the best possible mortgage for your particular situation. Our loan programs were designed especially for folks in the entertainment industry and others like you who are self-employed. You want the best possible mortgage with the least amount of hassle. These loans have already
- [Special Packages](https://entertainmentmortgage.com/services/) - 1st Time Homebuyer Package What's Included? Free consultation to determine future goals. One-of-a Kind checklist for home inspection Card listing important documents to keep, what to throw away Subscription YNAB - Five Star budgeting software Semi-annual review of loan for potential savings Move-in emergency bucket
- [Submit Your Review](https://entertainmentmortgage.com/reviews/submit-your-review/) - Thanks for entrusting Entertainment Mortgage with your loan. Please let us know how we did.
- [Read Reviews](https://entertainmentmortgage.com/reviews/view-testimonials/) - [testimonial_rotator id="1484"]
- [Reviews](https://entertainmentmortgage.com/reviews/)
- [Home Buyer's Personal Toolkit](https://entertainmentmortgage.com/more-great-information-for-home-buyers/home-buyers-personal-toolkit/) - Everything you ever wanted to know about buying a home. The first thought of buying The planning stage The mortgage piece The house-hunt The accepted offer During the escrow period The close The move-in What comes after
- [Welcome](https://entertainmentmortgage.com/welcome-and-thanks/) - Yay! You're In! It's great to have you in our troupe. You're in good company. Your FREE Home Buyer's Personal Toolkit is on its way to your inbox right now! Inside, you’ll learn lots of insider information that will save you time, money and unnecessary stress. Chapters like: • How to get prepared before you
- [Rates](https://entertainmentmortgage.com/rates/) - Today's Mortgage Rates< Rate Trends
- [Prop 60 and Prop 90](https://entertainmentmortgage.com/prop-60-and-prop-90/) - Proposition 60 covers property tax base transfers within one county. Proposition 90 covers property tax base transfers between counties. As of 2019, the following Counties participate. - They change from time-to-time so if your county is not on the list, check with your local Assessor's Office. Alameda Los Angeles Orange Riverside San Bernardino San Diego
- [Guides and How-to's](https://entertainmentmortgage.com/learn/guides-and-how-tos/) - Click on one of the buttons to open our downloadable guides. Escrow What is Escrow? Escrow Flow Chart Property Taxes Quick Guide to Property Taxes How to Avoid Property Tax Penalties Title How to Take Title General Understanding Condo & PUD Ownership
- [First-Time Homebuyer](https://entertainmentmortgage.com/more-great-information-for-home-buyers/first-time-homebuyer/) - So You Want to Buy Your First Home Start at the beginning. See how much you qualify for. How do you want to get started? Easily find out how much you qualify for. Not ready to talk to a mortgage expert? Quickly and easily find out what size loan you qualify for by answering a
- [Buy a Vacation Property](https://entertainmentmortgage.com/more-great-information-for-home-buyers/buy-a-vacation-property/) - You want to buy a vacation home. Start at the beginning. See how much you qualify for. How do you want to get started? Easily find out how much you qualify for. Not ready to talk to a mortgage expert? Quickly and easily find out what size loan you qualify for by answering a few
- [Rent vs Buy](https://entertainmentmortgage.com/calculators/rent-vs-buy/) - RENT VS BUY CALCULATOR
- [Early Payoff Calculator](https://entertainmentmortgage.com/calculators/early-payoff-calculator/) - EARLY PAYOFF CALCULATOR Real Estate Calculations
- [Bank Statement Mortgage](https://entertainmentmortgage.com/loan-programs/specialty-programs/bank-statement-mortgage/) - Types of Loans Available 30-Year and 15-Year Fixed 10, 7, and 5-Yr ARMs Highlights Income determined using an average of 12 to 24 mo Personal or Business bank statement deposits. Loan Amounts to $3,000,000. Primary residence, Vacation Home, Investment Property. Single Family (or condo). 2 to 4 Units Unlimited cash-out refinance loans Details Down payment
- [Asset Qualifying Mortgages](https://entertainmentmortgage.com/loan-programs/specialty-programs/asset-qualifying-mortgages/) - Many high net worth individuals have extremely complicated tax returns. When it's important to move quickly in order to not lose a purchase opportunity, the Asset Qualifying Mortgage is the answer. A Simple and Straightforward Mortgage Product Designed specifically for the high net worth individual, income is determined by the amount of liquid, or
- [Loan Programs](https://entertainmentmortgage.com/loan-programs/)
- [Why Would I Want?](https://entertainmentmortgage.com/more-great-information-for-home-buyers/why-buy-house/) - Buying a House used to be called the American Dream, but is it? "Why Would I Want" explores your possibilities and will help you with a list of PROS and CONS. When it comes to deciding if owning a home is really the best option for you, this can help. As always, we are only
- [Second Chance Mortgages](https://entertainmentmortgage.com/loan-programs/specialty-programs/second-chance-mortgages/) - We've all had our share of issues in our lives. Your past doesn't define your future. You don't need to think "Hard Money" loans. There are plenty of programs for those with foreclosures or bankruptcies in their past. Here are just a few samples. Significant Derogatory Events Lenders define significant derogatory events as: bankruptcy short
- [Investor Loans](https://entertainmentmortgage.com/loan-programs/specialty-programs/investor-loans/) - There are many types of loans available for investment properties. Conventional loans, which are the type of mortgage that carries the lowest rates require as little as 15% down for single-family investment properties. For 2-4 units you'll have to stretch to 25% down. For these loans, check the maximum loan size for your county here.
- [Buying Investment Property](https://entertainmentmortgage.com/more-great-information-for-home-buyers/buying-investment-property/) - You're Ready to Buy a Rental Property Start at the beginning. See how much you qualify for. How do you want to get started? Easily find out how much you qualify for. Not ready to talk to a mortgage expert? Quickly and easily find out what size loan you qualify for by answering a few
- [Conventional Loans](https://entertainmentmortgage.com/loan-programs/conventional-loans/) - FIXED RATES ADJUSTABLE RATES 30-year fixed 10-yr arm 25-year fixed 7-yr arm 20-year fixed 5-yr arm 15 year fixed Fully Amortizing 10-year fixed NO Interest Only Conventional Loans FIXED RATES ADJUSTABLE RATES 30-year fixed 10-yr arm 25-year fixed 7-yr arm 20-year fixed 5-yr arm 15 year fixed Fully Amortizing 10-year fixed NO Interest Only CONFORMING
- [VA Loans](https://entertainmentmortgage.com/loan-programs/va-loans/) - Veterans and service members are eligible for a VA loan. To get a VA home loan, you’ll need a Certificate of Eligibility (COE) to show your lender that you qualify for this benefit based on your service history and duty status. Go Here to submit your online application with the VA to get a copy
- [FHA Loans](https://entertainmentmortgage.com/loan-programs/fha-loans/) - FHA Loans are mortgages which are guaranteed by the Federal Housing Administration. The FHA doesn't actually make home loans. In the event, a homeowner defaults on their mortgage, the FHA reimburses the lender for their loss. FHA LOAN LIMITS (Los Angeles County & San Francisco Bay Area – look here for other counties) 1-unit $726,525
- [Jumbo Loans](https://entertainmentmortgage.com/loan-programs/jumbo-loans/) - The Following Pertains to Traditional Jumbo Loans For non-traditional loans, see specialty programs. 30-Year Fixed Rate15-Year Fixed Rate10/1 Adjustable Rate7/1 Adjustable Rate5/1 Adjustable Rate A mortgage is considered Jumbo loan if it exceeds the conventional High Balance Loan Limits. Jumbo loans are available for primary residences, second homes, and investment properties. These loans are a
- [Refinance Investment Property](https://entertainmentmortgage.com/refinance-a-home/refinance-investment-property/) - Refinance investment property to expand your real estate portfolio You've decided to expand your rental real estate portfolio but are short of funds for a down payment. Is it a good idea to refinance an investment property in order to purchase another? As your equity grows over time in currently held rental properties, it is
- [Get Cash](https://entertainmentmortgage.com/refinance-a-home/get-cash/) - Get cash to remodel your home If remodeling is in your future, consider refinancing your home to get the cash you'll need. It is usually the most cost-effective way to increase the value on your home without paying credit card interest rates. Even with zero percent cards, they will revert to full interest and unless
- [Buying a New Home](https://entertainmentmortgage.com/more-great-information-for-home-buyers/buying-a-new-home/) - You're Ready for a New Home Start at the beginning. See how much you qualify for. How do you want to get started? Easily find out how much you qualify for. Not ready to talk to a mortgage expert? Quickly and easily find out what size loan you qualify for by answering a few questions
- [Specialty Programs](https://entertainmentmortgage.com/loan-programs/specialty-programs/) - You may hear the term "Non-QM" when discussing loan programs. These are mortgages that fall outside of the Consumer Financial Protection Bureau's existing lending rules. They are used by borrowers who cannot show their income with traditional methods. Following are some of the most popular Non-QM mortgages and other outside-the-box loans Bank Statement Mortgages These
- [Consolidate Debt](https://entertainmentmortgage.com/refinance-a-home/refinance-to-consolidate-debt/) - When you have equity in your home or investment property, should you use that equity to consolidate debt, any consumer debt, and potentially save thousands? It depends. If you have 0% interest on any of your credit cards, converting those payments to any interest-bearing debt, such as a mortgage, is not to your benefit although
- [Refinance Calculator](https://entertainmentmortgage.com/calculators/refinance-calculator/)
- [Affordability Calculator](https://entertainmentmortgage.com/calculators/affordability-calculator/) - Need a Similar Calculator?
- [Purchase a Home](https://entertainmentmortgage.com/more-great-information-for-home-buyers/) - Everything you ever wanted to know about private mortgage insurance. Do you need it? Can you avoid it? How do get rid of it. more . . . What are Tax and Insurance impounds? Good idea or not? more . . . Pre-Qualfication vs pre-Approval - What is the Difference? There are "Pre-Qualifications", "Pre-Approvals", and
- [Pay Off Your Mortgage Fast](https://entertainmentmortgage.com/refinance-a-home/pay-off-your-mortgage-fast/) - The American Dream is to pay off your mortgage fast and own your home free-and-clear. There are programs to help you do this. Shorten the term of your loan. The shorter the term, the lower the rate. Make extra payments during the year. If you already within 10 years of paying your loan off, consider
- [Contact](https://entertainmentmortgage.com/contact/) - We love to hear from our friends and want you to have the best experience possible. We will get back to you within 24 hours. If you can't wait, just call. (310) 429-8070
- [Lower Your Payment](https://entertainmentmortgage.com/refinance-a-home/lower-payment/) - There are many reasons to lower your payment. If your expenses rise because of your growing family or maybe you take a cut in income, lower monthly payments can be a great benefit. Lower your Payment by Changing Your Loan Terms Both the interest rate and the term of your loan will affect your monthly
- [Useful Links](https://entertainmentmortgage.com/resources/useful-links/) - For a comprehensive FHA guide visit the official FHA FAQ Site For daily mortgage market news visit Mortgage News Daily Does Fannie Mae own your loan? Check here. Does Freddie Mac own your loan? Go here to find out.
- [Submit a Review](https://entertainmentmortgage.com/submit-a-testimonial/) - Thanks for trusting us with your mortgage. How did we do?
- [Q & A](https://entertainmentmortgage.com/learn/q-a/) - [accordions id='1406']
- [Mortgage Terminology 101](https://entertainmentmortgage.com/learn/mortgage-terminology-101/) - [accordions id='1374']
- [Learning](https://entertainmentmortgage.com/learn/)
- [Refinance a Home](https://entertainmentmortgage.com/refinance-a-home/)
- [FHA Loan Limits](https://entertainmentmortgage.com/resources/fha-loan-limits/) - 2019 FHA Loan Limits for All California Counties. The table below shows the 2019 FHA limits for all 58 counties in California, listed in alphabetical order.
- [Purchase Calculator](https://entertainmentmortgage.com/calculators/payment-calculator/) - How to Use the Calculator: [srzmort id=1]
- [USDA Guaranteed Loans](https://entertainmentmortgage.com/loan-programs/usda-loans/) - What is the USDA Guaranteed Home Loan Program? The USDA Guarantee loan is a 100% financied mortgage for moderate-to-low income homebuyers in eligible rural and suburban areas. As with FHA and VA, the USDA does not make loans. Instead, they are made by USDA approved lenders and insured by the USDA. Criteria 30-year and 15-year
- [Resources](https://entertainmentmortgage.com/resources/)

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