Wednesday, August 24, 2011

Do I need Twenty Percent Down to Buy a Property? Bill Rayman explains.


Bill Rayman at Mortgage Capital explains the pros and cons of putting twenty percent down on a home purchase and how it could save you money. He can guide you through the confusion to a decision that is right for you and your family.

Monday, August 22, 2011

Do Credit Score Inquiries Demolish Your Good Credit? Bill Rayman explains.


Bill Rayman at Mortgage Capital explains why checking your credit is an important part of securing a loan and why you shouldn't worry about it harming your good credit. He can guide you through the confusion to a decision that is right for you and your family.

Saturday, August 20, 2011

Impounds. Will they save you money? Bill Rayman explains.


Bill Rayman at Mortgage Capital explains the advantages and disadvantages of impounding your property taxes and your property insurance. He tells us how to save money when it comes to impounds and how the banks make their money. He can guide you through the confusion to a decision that is right for you and your family.

Thursday, August 18, 2011

Non US Citizens CAN get home loans! Bill Rayman explains.


Bill Rayman at Mortgage Capital explains how foreign nationals and non-permanent residents can obtain home loans for primary homes, second homes and investment property. He can guide you through the confusion to a decision that is right for you and your family.

Tuesday, August 16, 2011

Mortgage Term PITI -- Principal, Interest, Taxes and Insurance!


Bill Rayman at Mortgage Capital explains that the mortgage term PITI -- Principal Interest, Taxes and Insurance comprise part of the formula to determine your debt-to-income ratio and how the banks use this number to determine how much money in reserves you must have after the home buying transaction is completed. He can guide you through the confusion to a decision that is right for you and your family.

If you need a Mortgage Broker to help you with buying a home, business property, vacation place, or residential investment property, please call me at 310-295-2900 ext 113.  I can handle your mortgage in Los Angeles, California, or in many other states.

Sunday, August 14, 2011

Buying a Home? Selling a Home? Do I need a Realtor? Bill Rayman explains.


Bill Rayman at Mortgage Capital explains why he believes that you should use a realtor when purchasing a home. He works with many different realtors who represent different locations throughout Southern California. He can guide you through the confusion to a decision that is right for you and your family.

Friday, August 12, 2011

Bill Rayman Explains How Bankruptcy and Foreclosure Doesn't Mean You Can't Ever Get A Home Loan


Bill explains how having a bankruptcy or foreclosure does not stop you from getting a home loan forever.

Saturday, August 6, 2011

Thursday, August 4, 2011

What Is The Waiting Period on My Home Loan in California


Let Bill answer all of your questions and teach you all you need to know about home mortgages. In this installment, Bill explains the waiting period to close a home loan.


Tuesday, August 2, 2011

Bill Rayman Explains "APR" and the "Note Rate"


In this installment, Bill explains the difference between the "APR" and the "Note Rate."