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Over the last 30+ years, I have been providing 3 types of financing to clients… Residential Financing, Commercial Financing and Reverse Mortgage Financing.
In that time, I have seen all 3 improve and evolve but the one category that has improved the most is Reverse Mortgages.  In the past, when a customer applied for one, they were really throwing the

It’s been some time since I sent out a newsletter on rates, the market and food for thought in the world of real estate…
What’s prompted me to send a report now has a lot to do with rising home inventory, rising interest rates and the Dow Jones, down by 11.32% year to date currently resting at 32,654 down from

This is something I shared with another client making offers.  Just some advice to share with you😊
With listing inventory this low in the bay area, you should ask your agent/Realtor what they think the property/listing will sell for vs what its worth.  Many agents list property below market to get multiple offers and higher prices.  Rarely do we run

*Article prepared by Northwestern Mutual with the cooperation of Chris Welton, Wealth Management Advisor for Rob McCarthy, 101 Loan LLC.*
By Carl Engelking, October 06, 2021
Life insurance can be an important part of your financial planning. With permanent life insurance, in addition to a guaranteed death benefit that is typically tax-free, your policy will build cash value that

Myth 1: Everyone knows they need an estate plan.
This may seem like common sense, but as we know, common sense isn’t so common. The
majority of all Americans will die without an estate plan of any kind in place. Many people don’t
want to think about their eventual death or leaving their loved ones behind. But less than half

Over the last 30 years our office has seen multiple cycles in Real Estate and in the Stock Market.  These cycles consisted of Growth (where the US Equity Markets (Dow and Nasdaq) and housing prices soared), Over-Supply (where the curve flattened due to a lack of economic growth and housing inventory started increasing), Recession (where the US Equity Markets dropped

What is a Reverse Mortgage?
When you hear the word mortgage the first thing many people think of are traditional mortgages for buying or refinancing a home. Traditional mortgage loans are used to purchase property or to borrow money against the equity in your home. The borrower and lender come to an agreement that the borrower will pay back the