Credit scores are comprised of 5 factors. Points are awarded for each component, and a high score is most favorable. There are three bureaus and each one may factor the scores slightly different. Occasionally you may find that some credit information is only reported to 1 or 2 bureaus, instead of all 3. This is […]
Continue reading …
As an attorney with a practice focusing on Business Law and Estate Planning, I have met a fair share of individuals who have started businesses without doing the proper legwork and without knowing what they were getting themselves into. Before long, problems with business partners, legal issues, and money issues throw the business into a […]
Continue reading …
The origin of credit scoring dates back to the 1950’s. The purpose of its design was to provide lenders with financial profiles on consumers who wished to borrow money. The structure of the credit scoring model seeks to reflect the likelihood of an individual to pay off debt without being more than 90 days late […]
Continue reading …People often ask me about how the interest rates impact the monthly mortgage payment for a home. When the interest rate changes, how much of an impact does that have on the monthly payment? You will find that for each eighth of a difference in the interest rate, for example you go from 4.25% to […]
Continue reading …
About a year ago a friend called me and asked if I wanted to join him on a skydiving trip. Two years ago I would have jumped at the opportunity, however this time there was something different. Before I answered him, I started to think about my life insurance policy and if I had made […]
Continue reading …
Have you found that you receive an influx of phone calls or letters in the mail right after you have applied for credit for a home loan or other types of credit? Are you wondering how to protect your privacy when applying for new credit. Did you know that the actual credit bureaus, Experian, Equifax […]
Continue reading …
We have just released a new home loan program specifically designed for people who are self-employed. The program allows us to qualify self-employed folks using bank statements instead of the previous year’s tax returns. We take a 12 month history of your deposits that show on your personal bank statements. We can also use more […]
Continue reading …
YOU are cordially invited to attend an educational, estate planning event to be held on Tuesday, June 3rd, from 7 to 9 pm at the Doubletree Hotel, Carmel Valley (11915 El Camino Real, San Diego, CA 92130). The focus of this event will be on asset protection planning and also the benefits of appointing a […]
Continue reading …
Think of interest rates and points on opposite ends of a scale. The more that you pay upfront, the higher the points, the higher the closing costs, the lower the interest rate that you would have over the life of the loan. Also vice versa, the fewer the points and fewer closing costs that you […]
Continue reading …Qualities in Choosing a Home Lending partner. Hi there. Have you ever wondered how your Realtor chooses a Carmel Valley home lender that they work with? I’m here with Dena Leber today and I’m Julie Ozanich. Dena, tell us what are some top two qualities you look for when choosing a lending partner. Dena: […]
Continue reading …
Planning a Wedding or Planning Your Estate? The Elements are the Same! I am in the midst of planning my wedding, and I love it. Call me crazy, but I truly enjoy the process. What I’ve realized is that planning a wedding is really no different than what I have been doing for my clients […]
Continue reading …California Bank& Trust Relocates Carmel Valley Branch to a New Location
February 28, 2014 No Comment
California Bank & Trust (CB&T) has relocated their Carmel Valley branch from 11752 El Camino Real to a new location less than one mile away, at 11375 El Camino Real. The new location opened to the public on February 3rd and along with the branch it also houses the San Diego Corporate Banking, Southern California Corporate Banking, […]
Continue reading …Socialize
Featured Business
Featured Business
Recent Comments