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You Can't Eat Your House...or Can You?


  I have been a mortgage lender for 30 years now and believe me I have seen just about every scenario there is.  One scenario that is more common than not on our beautiful central coast is “house rich, cash poor” homeowners.  These are the homeowners that live in million dollars plus homes that have very little retirement income coming in.  Thanks to proposition 13, if they purchased their home a long time ago, they most likely have a pretty low property[...]


Strategy is Always Better than Quick


Written by Mike Boerlin I just got back from a three day very intense mortgage banking conference our mortgage bank puts on for our industry leaders.  Make no mistake about it, we are living in very “disrupting times” for many business models.  Just look at Amazon trying to get into the food business, Uber and Lyft go toe to toe with the taxi business and Web MD telling folks how to fix themselves.  In fact on this trip I used Lyft (don’t have an Uber[...]


Is a Reverse Mortgage Loan for You?


Written by Doug Lanzaro A reverse mortgage is a government-insured home loan that allows you to convert a portion of the equity in your home into cash. Unlike a traditional mortgage or home equity loan, the homeowner is under no obligation to make monthly repayments. If you are 62 and own a primary residence you can leverage the equity in your home to have the cash flow you need to enjoy comfort and security in your retirement. Here are just some of the benefits of a Reverse[...]


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