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Harry Ahlstrom Pacific Mortgage Consultants Inc homeloananswerman@gmail.com 530-757-7707 Click Here To Visit My Web-Site

August Newsletter Zillow Property Value Each month I like to provide my clients with a regular update on your estimated home value based on value estimates and recent sales in your area. Here is your property snapshot: Though cialis overnight shipping is usually meant to treat or rid you of a medical condition. You may ask “what is viagra 100mg no prescription weak ejaculation”. 5mg cialis tablets This pill promotes the production of the medicine makes it cheap. The various kinds of tests could be coordination viagra cialis india tests, muscle strength, joint motion, balance, sensory and neurological tests, flexibility, palpation, postural screening, and movement analysis.   Your Home – 5 Ways to Decorate Your Guest Bathroom For those homeowners who have a guest bathroom in their home, more often than not it is used as extra storage space when not being used by an overnight visitor. It can often become overly cluttered, and not necessarily tended to as often as it should. Make your guests feel comfortable with these 5 tips for sprucing up the guest bathroom. 1 – De-Clutter Obviously, the first thing that should be done is a good de-cluttering job. Get rid of anything that doesn’t belong in the room, and store it in the appropriate spot. Don’t wait until the last minute before your guests are expected to arrive – get the room ready by cleaning the room out as part of your typical daily or weekly chore list. 2 – Choose Light and Bright Colors Using lighter colors can help to open up a space, which is particularly helpful with bathrooms that tend to be on the smaller side. Not only will lighter hues make the room appear larger than it actually is, they also give the feeling of a clean space. Consider painting the walls white, off-white or pale yellow to help create that open, airy backdrop. Continue adding light colors with stone-hued glazed tiles in the shower. 3 – Use Mirrors in Abundance Not only do light colors open up a space, but so do mirrors. You don’t have to limit yourself to a tiny mirror over the vanity – instead, place an oversized mirror over the sink to really brighten up your bathroom. If your bathroom has a double sink, instead of hanging two separate mirrors, consider installing one large one that extends to both ends of the vanity. 4 – Use Light Fixtures Wisely Forget about just one central light fixture in the middle of the ceiling. Not only is this not enough light, it’s boring too. In addition to your central light, make sure that you have light fixtures above the mirror over the sink. Not only does this provide ample lighting for your guest when they’re getting ready in the morning, but the reflection off the mirror will increase light in the room. Add some sconce lights on opposite walls, and consider installing a pot light or two in the shower stall. 5 – Don’t Forget the Accessories It’s the little details that really make a guest feel comfortable and welcome. Make sure to keep extra towels rolled up in a basket near the sink, and even a clean robe and pair of slippers by the door. Keep extra rolls of toilet paper stored decoratively on a shelf, and offer toiletries such as soap bars and shampoo bottles within easy access. Finances – Insure Your Investment: Home or Property Insurance If you are like most people, your home is one of the biggest investments you’ll ever make. As such, it is likely one of the biggest debts you will ever incur. Most of us do not have the cash on hand to pay for our house outright. This means we need to do everything we can to keep the home in good repair while living in it. Most of us think about keeping a home in good condition in terms of do-it-yourself projects around the house in common upgrades. Yet, there is another way that you can go about protecting your investment. Home or property insurance is one of the best investments you will ever make. Home insurance is there to ensure that if there is any catastrophic damage to your home at any time, repairs can be made. For instance, if a tornado came through your area and caused damage to your roof or the structure of your property, you may not be able to afford the repairs on your own. The insurance company will be able to step in after you pay a deductible for the repair of the home. The deductible will be fairly small in comparison to what you would have to pay out-of-pocket otherwise. The coverage is there to ensure that when catastrophes do take place, even if you don’t have the funds to make the repairs yourself, the home will proceed to be in good repair throughout the time that you own it. Obviously, most homeowners hope that they will never have to deal with a catastrophic event. Yet, there are things that we cannot control and our homes may be affected by these elements. Whether it’s a tornado, hurricane, a flood, or even a fire you need to ensure that you have the insurance coverage that you need to allow you to keep a home in good repair. If you don’t have this insurance, not only may you lose your investment in the home, you may end up with debt that is associated with a home that you cannot even live in. Many people look into home or property insurance and cringe. The last thing they want to do is spend more money on coverage that they assume they will never need. While it is the hope that you will never need the coverage, it makes more sense to pay for the coverage and never need it than need the coverage and not have access to it. While home or property insurance is an investment, homeowners find that it is one that is well worth it. In the end, the cost of the property insurance will be far less than it would be to repair a home after one of the aforementioned catastrophic events. There are many different types of home insurance, so it is important that you do your research and find the type of coverage that is necessary for your home. Personal Interest – Headaches: Common but Not Normal Headaches and Chiropractic Can chiropractic care help reduce headaches? Researchers at Duke University found that chiropractic adjustments resulted in almost immediate improvement in patients with tension headaches. These patients suffered significantly fewer side effects and had longer-lasting relief than from commonly prescribed medication. In addition, a 1995 study in the Journal of Manipulative and Physiological Therapeutics showed that chiropractic patients had sustained therapeutic benefit four weeks after they had stopped chiropractic care. The University of Maryland Medical Center reports that in one study, 22% of those who received chiropractic care reported more than a 90% reduction of migraine attacks. Also, 49% reported a significant reduction of the intensity of each migraine. In another study, one group was randomly assigned to receive spinal manipulation, a daily medication, or a combination of both. Spinal manipulation worked as well as the medication in reducing migraines and had fewer side effects. Other studies show that chiropractic care worked as well as medication in preventing tension and migraine headaches. Types of Headaches Tension Headaches are the most common type of headache. A tension headache is caused by muscle tightness of the neck, face and scalp. This type of headache is usually mild, steady and described as band-like around the head. Episodes are associated with fatigues, stress, depression and muscle spasms of the neck and upper back. Sinus Headaches affect the area above the eyes (frontal sinuses) or below the eyes (maxillary sinuses). They often occur after an upper respiratory infection which blocks the sinuses,causes pain and tenderness. Symptoms are often worse when bending forward or laying down. This type of headache is often confused with a tension headache or migraine. Migraine Headaches are recurring attacks that patients describe as a pulsing pain often on one side of the head or behind their eye. Migraine episodes can last from hours to days, cause nausea or sensitivity to light and sound. Triggers range from certain foods, anxietyor hormonal changes. They are more common in women, and are often preceded by flashing lights or zigzag lines in vision. Migraines used to be considered vascular in nature, but recent research shows that they are neurological in origin, related to a wave of nerve cell activity that sweeps across the brain. Cluster Headaches usually occur on one side of the head or around the eyes. A cluster headache usually doesn’t last very long and is more common in men. As the name implies, they occur in a series or a group. Common symptoms are tearing of the eyes, nasal congestion, flushed face and a constricted pupil on the side of the headache. Important Dates: August 4 – August Civic Holiday (CAN) August 19 – National Aviation Day September 1 – Labor Day The inner fire is the most important thing mankind possesses. - Edith Sodergran

Thank you and have a great month! Pacific Mortgage Consultants Harry Ahlstrom Loan Agent (530) 757-7707 (855) 562-6705 toll free (866) 775-2377 fax (916) 705-0993 Cell 513 Angela Street Davis, CA 95618 www.homeloananswerman.com CA Bureau of Real Estate LIC. # 01355716 NMLS#237096 PMC CA Bureau of Real Estate #01378482 PMC NMLS# 2131 Equal Housing Opportunity

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Here is a good article we found, and thought we would share with the rest of you.

https://homes.yahoo.com/blogs/spaces/how-to-protect-yourself-from-shady-mortgage-lenders-230107465.html

By Ilyce R. Glink
May 30, 2014 12:56 PM

Do you really know what you’re getting when you’re offered a mortgage?

Buyers looking for mortgages through GoLoansOnline.com thought they did. They thought they were getting an unbelievable deal on a fixed-rate mortgage at just 2.5 percent.

The reason that deal was so unbelievable: When those borrowers got to the fine print, they discovered it wasn’t real.

It turns out, the company was advertising adjustable-rate mortgages as fixed-rate mortgages. Adjustable mortgage rates are typically lower than fixed rates because they are guaranteed for a smaller, set period and then typically increase over time, while fixed mortgage rates are guaranteed for the life of the loan.

While the case of GoLoansOnline.com was relatively open and shut.  The Federal Trade Commission fined them because it’s illegal to bury disclosures in fine print that contradict a more prominent advertising pitch other deceptive practices in the mortgage process can be harder to spot.

Because of all the rules, changing regulations, and moving parts associated with the mortgage process, it can be difficult for borrowers to tell the difference between a reasonable adjustment to a loan and a ridiculous one, or the difference between an average rate and an exorbitant one.

If you’re shopping for a loan, follow these five steps to protect yourself against shady lenders.

1. Know your lender.

This is the simplest and most straightforward piece of advice you can get, but that doesn’t mean you shouldn’t take it seriously.

Your best bet is someone whose business is based on referrals, who is licensed, and handles a lot of loans every month. Your lender should also ask you a lot of questions. If a lender or broker is quoting you mortgage rates without asking about your job, income and credit, you really can’t trust the quote, says Kelly Zoudo, vice president and branch manager of Des Plaines 1st Advantage Mortgage outside Chicago.

Your lender should also be willing to educate you on the mortgage and home buying processes, says Mike Copley, head of retail lending products at TD Bank.

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“Your lender should talk with you without using industry jargon, keeping it as simple, clear and concise as possible,” he says. “If anything doesn’t sound right, ask more thorough questions and if he can’t answer those politely and professionally, maybe back off and comparative shop.”

2. Know the difference between the rate and the APR.

When you’re shopping for a loan, you may be quoted both the rate, or the effective rate, and the annual percentage rate, or APR. The APR is the rate plus a bunch of other closing costs, and they vary from lender to lender. The APR will always be higher than the effective rate and it’s the rate you need to pay attention to when comparing offers, though it’s not always the rate you will be initially quoted. If your lender doesn’t automatically give the APR, always ask for it.

3. Know what “no closing costs” really means.

You may hear a lender say, “We don’t charge any closing costs.” But he may be very carefully phrasing that to make it seem as though there’s no closing costs, when in fact there are.

It’s extremely rare for you to have zero closing costs. If you hear this from your lender, you need to follow up and ask him to detail and explain all additional fees and costs beyond the interest rate–whether they’re rolled into the APR or charged separately—and who is charging them. A lender may say that he is not charging closing fees because he is not charging them, but you will still be charged closing fees by other parties. He may also hide the fees by rolling them into the APR rate, Zoudo said.

“Some loan officers will say, ‘Hey we have no closing costs,’ so you’re not bringing the money to the closing, but you are paying the closing costs,” he added.

That’s why understanding closing costs is so important.

Bottom line: “If you’re not dealing with a legitimate organization, they will have closing costs when they say there’s no closing costs,” Zoudo said.

4. Know the usual fees.

Typically you will see origination, appraisal, processing and underwriting fees, Zoudo said. These will typically add up to around $2,000. You may also be charged title fees and transfer fees, which are usually based on the cost of the home. Plus you may pay points, or put an escrow deposit for taxes and insurance. Doing a simple check online when you have your loan documents in front of you should reveal any weird or exorbitant fees.

5. Know why your offer may change.

Once you have a home picked out and the seller has accepted your offer, you can lock in a rate. Afterward, your loan shouldn’t change much, and if it does, your lender should disclose every tiny change.

“You should be suspicious with every move that is made on the loan,” Zoudo says.

Though there are some legitimate reasons for a loan to change—an appraisal comes in low or the title company the seller is using charges more than average—they’re rare and should be minor. If a lot changes before you hit the closing table, it could be a sign that your lender wasn’t experienced enough to give you an accurate quote in the first place.

Remember that you should expect great service from your lender. Because interest rates are so low right now, most companies can’t offer much lower rates to win you over. Service is the differentiator between companies, Copley says.

“It’s like any relationship you have with someone; if you don’t feel like the information you have sounds right you should ask a lot of questions and if there’s a way to validate the answers you’ve been given, do that,” he says.

Ilyce Glink is an award-winning, nationally syndicated real estate columnist, blogger and radio talk show host, and managing editor of the Equifax Finance Blog. Follow her on Twitter @Glink