Newsletter and More
Here you’ll find Jim Chubb’s weekly column for the Santa Cruz Sentinel and other news.
Interest Rates Drop–Lock Now!
Q: I noticed that interest rates seem to be a bit lower lately. Is this a new trend? We have a $389,000.00 30 year...
Who Can Still Benefit From Refinancing?
Q: I have three properties at various rates over 3%. My primary residence has a $320,000.00 loan at 3.375% and my...
Our Waiver Strategy and Appraisal Delays
Q: Why have you gone from 30 day locks to 60 days? Can I close my purchase in a shorter time? Should my son wait to...
Why Does Refinancing Take So Long?
Q: I am refinancing a rental property in order to get a larger down payment for the purchase of a new primary...
Strategies for Paying Off Faster
Q: How can I pay my home off faster without taking risks and squeezing my cash flow? A: Equity building and early pay...
Inaccurate News On Rates
While Stocks Looking For Excuse To Rally Confuses Consumers Q: What is realistic for a 30 YEAR FIXED NO COST LOAN OF...