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  #1  
Old 01-07-2015, 9:40 AM
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huntingsocal huntingsocal is offline
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Default Low mortgage rates for calguners and SoCal House Selling/House Hunting Guide Service

Hello fellow Calgunners,


If you have a mortgage or you'll be buying a home soon and you'd like some numbers crunched to see what might be available for you, PM or email me and I can run a side by side comparison of what you've got, and what some options are for a refi.

I'm not afraid to tell you that you're good to go with what you've got. No hard sell from me and you can check my itrader to at least feel comfortable knowing that I'm not a flake.

I've been in real estate and finance full time for over 14 years now and I can help with conventional loans, FHA, VA as well as commercial financing and apartments.

If you're thinking about buying a home this year I can help you with the pre qualification process and work with you to put together a plan so you are ready when the time comes to buy.

If you are looking for a home in SoCal, I also offer a house hunting guide service to help you find a home or investment property in L.A./Orange/S.B./S.D./Riverside counties

If you are thinking about selling your home in the next 6 months PM me and I'll email you a report on what you can do now to ensure you get top dollar when it comes time to sell.

Cheers to low rates and cheap ammo!

Micah Peterson, Broker
visit my website here for some more info about my services
check out my itrader and you can also what others are saying about me here on Yelp
B.R.E. 01366504
NMLS 361312
micah@lifesourcemortgage.com

Last edited by huntingsocal; 04-17-2017 at 4:00 PM..
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  #2  
Old 01-10-2015, 8:34 PM
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If you took out an FHA loan recently, changes coming on the 26th of this month could put more money in your pocket every month.

The fact that MI rates are going down from 1.35 to .85 plus the fact that rates have come down significantly the past few weeks means that you might qualify for a "FHA streamline"

As a FHA mortgage holder you no doubt have received ton of junk mail about these already but you can PM me for the straight scoop.

Last edited by huntingsocal; 01-10-2015 at 8:46 PM..
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  #3  
Old 01-12-2015, 7:39 PM
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How about your VA Benefit?

I'm currently helping my wife's cousin refi OUT of a conventional loan and into a VA loan that he never used his benefit for.

When it is all said and done, him and his wife will be saving $197 a month
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  #4  
Old 01-19-2015, 10:35 PM
232_ray 232_ray is offline
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If your in the SoCal area please PM me. I'm a vet wanting to check out my options if any.
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  #5  
Old 01-20-2015, 5:29 PM
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Yep in socal, PM sent
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  #6  
Old 01-27-2015, 7:24 PM
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FHA cut mortgage insurance from 1.35 to .85

So, if you've taken out an FHA loan in the last couple years, you might be able to save some money.

PM me for a no cost, no obligation analysis

Last edited by huntingsocal; 03-11-2015 at 11:26 AM..
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  #7  
Old 03-11-2015, 11:20 AM
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Lots of volatility these days.



One week rates are up, next week they are down, rinse repeat.

The media is always a couple weeks behind. If the headlines read rates are up, they probably just went down (like today) and vice versa.

PM me if you'd like to know what your options are today.

Refinance or pre approval for purchase I can help with both

VA, conventional, FHA, commercial

House Hunting Guide Service also available in SoCal

Last edited by huntingsocal; 03-11-2015 at 11:22 AM..
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  #8  
Old 05-15-2015, 8:51 AM
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Just wanted to throw a shout out to huntingsocal. This guys is legitimate I did a refinance with him and could not be happier. He is very communicative and attentive to your needs. I highly recommend his services to anyone that is interested in home loans.
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  #9  
Old 05-22-2015, 7:54 PM
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Thank you sir for the endorsement

Rates still holding low.

Don't wait too long to see if you can save some $$$
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  #10  
Old 02-11-2016, 11:39 PM
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Rates on their way down for the time being, on a pretty good rally since December 30th.

How long it lasts is anybody's guess but might be a good time to see if you can save some money

PM for:

1.) No cost number crunch to see if a refi can save you some money

2.) Game plan for financing a home purchase

3.) House Hunting Guide Service if you're looking for a home in SoCal

4.) Free house value analysis if you are curious what your home is worth
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  #11  
Old 04-01-2016, 12:21 PM
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Cool story bro #1

Helped a Veteran and his family "move up" to their dream home in Long Beach. Don't let an agent try and tell you your offer won't be accepted if you use a VA loan. (It happens a lot)

He was using his VA Benefit on his current home. Found the house they wanted and made an offer. The agent called to grill me and make sure I could get it done. Offer accepted.

They put their house up for sale and the day after it closed we were on the phone with the VA and got his entitlement re established so he could use a VA loan to buy the new home.

Buyers of their home agreed to let them stay two weeks after closing and we only ended up needing a week before we closed escrow on the new house and got them moved in.

VA rates are the lowest fixed rates out there right now. PM me if you'd like to learn more
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  #12  
Old 04-01-2016, 9:27 PM
Gil in CA Gil in CA is offline
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Last time I was on here was when I asked Micah (huntingsocal) about a loan as I wanted to become a 1st time home buyer and now, I own a house. Thanks for your help, Micah. You came through, didn't feed me any Bullsh*t and you deserve a bump for all the work you did.

So, if any one needs a loan or a Realtor, contact him and Micah, hopefully you can help with a re-finance when the time is right!
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  #13  
Old 04-06-2016, 8:34 PM
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Congrats Gil and thank you for the kind words. It was a long time coming but you hung in there like a champ.

You're going to have to change your location soon
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  #14  
Old 04-19-2016, 10:06 PM
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Cool story #2

A young couple came to me for help buying their first home. They had some money saved but not a full 20% down.

We found a house with "good bones" that needed some TLC mostly cosmetic stuff and elbow grease but the house was in a great neighborhood.

I negotiated a good deal on the house and with 10% down I was able to get them a loan with mortgage insurance and a payment they could afford.

Fast forward six months

They'd done some fix ups and values had gone up in the neighborhood. I did a detailed analysis of house values and it looked like values had come up enough that they had a full 20% equity in the house. Rates were also a bit lower so I was able to refinance their mortgage at a lower rate, drop the mortgage insurance because of the increase equity, and lower their payment $139 a month

PM me if you'd like me to crunch some numbers to see if I can save you some money or help you find a house
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  #15  
Old 05-30-2016, 4:41 PM
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Cool story #3

A retired service member came to me asking about buying another property.

Turns out, he wasn't using his VA benefit on his current condo but he did have a great rate, a low payment and a good chunk of equity. The place is already dialed in and current rents in the area will cover the mortgage, the HOA payments and then some.

We found his next house, a bit of a fixer but priced accordingly. We negotiated a contract and now he's in escrow using his VA home loan benefit. Since VA allows for zero down payment the money he has saved will go toward fixing up the house and getting it dialed in like the other one.

PM me if you'd like to learn more about buying a second home, using your VA benefit or anything else mortgage or real estate related.
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  #16  
Old 07-15-2016, 7:34 PM
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pm sent
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  #17  
Old 08-02-2016, 8:53 PM
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Cool Story #4

An elderly gentleman came to me after trying to sell his home with two different "area expert" realtors. They both made the same pitch "Hey I've got a buyer for your home, list it with me and I'll get it sold in 30 days or less."

The first agent had his home listed for 6 months. Even went so far as to magically get the home in escrow with one of her "buyers" a week before her listing agreement was set to expire. Never closed escrow.

Second agent claimed to have a local real estate radio show and promised he could close escrow in 30 days with his "buyer." After three months and two extensions, no buyer.

The first thing I did when I sat down with the seller was to let him know up front that I did NOT have a buyer for his home but that I was going to launch a strategic marketing plan to find him one.

We closed escrow last week with a full price offer from a buyer that only requested $200 in repairs. Seller and his wife were thrilled and said "third times a charm" when I dropped off their closing documents.
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  #18  
Old 09-01-2016, 10:11 PM
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Cool Story #5

A low FICO doesn't necessarily mean you can't take advantage of the low rates available right now especially if you have an FHA loan.

I wrapped up a FHA streamline this week with a 604 FICO and we got the rate down to 3.375%APR on a 30 year fixed and ALL the closing costs were paid by the new mortgage company.
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  #19  
Old 10-06-2016, 7:51 PM
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Cool Story #6

A client came to me and wanted to find out house within a specific block of homes that had at least 3 bedrooms and 2 bathrooms for his family.

We set up up a targeted search with instant notifications any time a home came up for sale in that specific block.

Although it took several months for the right house to come up for sale, as of last week he and his family are now the happy owners of a 3 bedroom home in the exact neighborhood he wanted right down the street from his daughter's school.
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  #20  
Old 12-16-2016, 8:14 PM
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Cool Story #7

Rates definitely on the rise since the election and all the "experts" say they won't be coming down any time soon.

The news might be reporting doom and gloom but the reality is rates are still near historic lows.

For example, a client came to me with a previous Bankruptcy. She hit a rough patch after her employer went out of business and then her husband passed away.

She's back on her feet now and even with her credit challenges I was able to get her first mortgage refinanced which lowered her monthly payment by $649.

She's got some breathing room now and isn't worried so much about making ends meet every month.

PM me and I can let you know if there is some room for improvement on your mortgage.
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  #21  
Old 12-20-2016, 9:15 PM
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Definitey will give you a call when I relocate for work.
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  #22  
Old 03-30-2017, 10:34 AM
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Cool Story #8

Met an elderly couple with their granddaughter at an open house. They were looking for a home for her and said they were going to help her with the down payment. He owns several of his own businesses and does very well.

We got to talking and his plan was to refinance his free and clear home on the water in Long Beach, then use that money for the down payment on the granddaughter's home and get a mortgage for the balance of the purchase price.

Quite a complicated scenario especially considering the gigantic mound of paperwork required to document all his different businesses.

Well, we found her a house and got their offer accepted. In less than 45 days we refinanced the house on the water and closed concurrently on the purchase loan for his granddaughter.

Yes, these days there is a lot more paperwork required to get a mortgage but if you work with a professional, like me, who knows what is going to be required ahead of time, the process can be pretty seamless. Even with more complicated scenarios.

If you are trying to put together a complicated scenario and you don't want to hand it over to an amateur in a call center, send me a PM and I'll let you know some options for putting it all together
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  #23  
Old 03-30-2017, 7:06 PM
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Quote:
Originally Posted by m2oore View Post
Just wanted to throw a shout out to huntingsocal. This guys is legitimate I did a refinance with him and could not be happier. He is very communicative and attentive to your needs. I highly recommend his services to anyone that is interested in home loans.
SUPPORT !!!!!
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  #24  
Old 04-14-2017, 7:25 PM
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Cool Story #9

My good friend called me up and asked me if I could help his mother. She owns a home out in Castaic that she's used as a rental property for the last 18 years. It is too far away for her to keep tabs on now and she wanted to sell it.

Now Castaic is about 60 miles away but I'm licensed in all of California so my buddy and I took a drive out to see the property after the renters moved out. I gave them a list of recommended work to be done in order to get it sold quickly and 6 weeks later we put it up on the market.

We had 5 offers within 48 hours and she accepted an offer $16,000 over the asking price.

Don't be fooled by so called "area experts" that spam your mailbox with junk mail. If you work with a broker that knows how to study market trends like me, you can get top dollar for your house and avoid wasting time holding open houses and having agents come through your house when you're trying to have dinner.

If you're thinking about selling your home this year, PM me and I'll be happy to provide a no cost, no obligation home valuation based on what the market is doing in YOUR neighborhood.
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  #25  
Old 05-18-2017, 8:33 PM
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Cool Story #10

I recently helped a fellow calguner with a refinance.

We needed to exchange some paperwork and rather than meeting up at a boring office or a Starbucks or something like that, we met up at the local gun store parking lot.

Sure, you could go into the bank or call a telemarketer that sent you some junk mail and probably get your refinance done, eventually.

Or, you can work with a professional, like me. Chances are, I can get you a better deal, with less paperwork, in less time AND if you're in SoCal I'd be happy to meet up at the local gun shop.

I'm always looking for a reason to go to the gun store

Last edited by huntingsocal; 07-18-2017 at 5:09 PM..
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  #26  
Old 06-29-2017, 8:51 AM
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Prepare Early To Have Your Offer Accepted

Calguners,

Here’s a quick note to let you know how I can help you

A seller’s market is not the time to make lowball offers.
Before you submit an offer, get an idea of what neighboring
homes sold for recently. As a real estate broker, I can
give you an estimate of what the home is truly worth.

From there, make a competitive offer. If you bid too low, a
seller may not even come back with a counteroffer; they
could just say “No.” In this competitive market, there is a
good chance you will have to be at or above listing price, so
keep this in mind when making an offer.

When you, or someone you care about, finds an appealing
neighborhood, allow me to provide a complete financial
package so your offer will have the strongest likelihood of
being accepted.

My job as your mortgage & real estate consultant is not only to help you
when it is time to buy a home, it’s also to guide, lead
and watch out for you as you prepare early to buy your next home.

Last edited by huntingsocal; 07-18-2017 at 5:10 PM..
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  #27  
Old 07-18-2017, 5:11 PM
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Did you know?

It may be possible to lower your monthly payments AND pay off your mortgage sooner?

PM me for a free, no pressure home loan analysis
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  #28  
Old 09-01-2017, 4:54 PM
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huntingsocal huntingsocal is offline
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Did you know?

VA Loan Rates Are Lower

According to loan software company Ellie Mae, VA loan rates are typically about 0.25% lower than those of conventional loans. The VA backs the mortgages, making them a lower risk for lenders. Those savings are passed on to Veterans.

Additionally, VA loans come with some of the lowest foreclosure rates of any loan type, further reducing risk for lenders. No surprise here, but Veterans and Servicepersons take homeownership seriously. These factors add up to lower rates and affordable payments for those who choose a VA loan.
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  #29  
Old 10-18-2017, 8:52 PM
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Some recent changes to Fannie Mae guidelines have made it easier for homeowner's to pay off student loan debt when refinancing.

If you you've been thinking about refinancing and you have student loan debt shoot me a PM and I'll fill you in on the details.
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  #30  
Old 11-14-2017, 8:50 PM
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Equity lines of credit are coming back on the banking scene.

The guidelines are much more strict than the old days of "use your home as an ATM machine" circa 2003-2007

One strategy is to use them to help you get out of a loan with mortgage insurance.

PM for details and I'll run a free analysis to see if it works for you.
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  #31  
Old 11-21-2017, 7:05 PM
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Many agents and lenders consider the end of the year to be "slow" and often advise people to pick up their home search or put off plans of selling until after the new year.

Not me

Experience shows me that if people are looking to buy or sell during Thanksgiving and Christmas they are pretty serious for the most part and are willing to do what it takes to get the deal done.

So if you're thinking about buying or selling before the year is up, send me a PM with your scenario and what you'd like to accomplish.

Rates are still low for God only knows how long so it might be a good time to make a move after all.
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  #32  
Old 12-05-2017, 7:46 PM
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Did you know?

Fannie Mae recently announced that the maximum loan amount limit for a 1 Unit "conforming" loan will be increased to $453,100 for 2018

For "high cost" areas such as L.A. and Orange county the limit is being raised to $679,650

If you have a loan that was previously considered a "jumbo" loan but you now fall withing these limits the good news is that I can lock in a rate with the new limits for you NOW. No need to wait until 2018.

Rates have been holding steady in a narrow range for weeks now and it might be a good time to lock in a low rate.

Send me a PM and I'll gladly provide you with a no cost, no pressure Home Loan Analysis to see if there is an opportunity to save money with a refinance.
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