Low mortgage rates for calguners and SoCal House Selling/House Hunting Guide Service

[huntingsocal]

Hello fellow Calgunners,


If you have a mortgage in California or Idaho 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 18 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 or North Idaho, 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 and North Idaho

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.

Planning your Great Escape to a Free State? Check out post #28 for my Free State Escape Services

Cheers to low rates and cheap ammo!

Micah Peterson, Independent Real Estate Broker and Finance Expert
visit my website here for some more info about my services
check out my itrader and you can also see what others are saying about me here on Google
D.R.E. 01366504
I.R.E.C. #DB50747
NMLS 361312
micah@lifesourcemortgage.com

[huntingsocal]

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

[232_ray]

If your in the SoCal area please PM me. I'm a vet wanting to check out my options if any.

[m2oore]

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.

[huntingsocal]

Thank you sir for the endorsement

Rates still holding low.

Don't wait too long to see if you can save some $$$

[huntingsocal]

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

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

[Gil in CA]

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!

[huntingsocal]

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

[huntingsocal]

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.

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.

[bigbully]

pm sent

[huntingsocal]

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.

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.

[huntingsocal]

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.

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

[4P0X1]

Definitey will give you a call when I relocate for work.

[bbodybill]

CG'er... BROTHERS...

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 !!!!!

[huntingsocal]

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.

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