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With over 18 years experience, I have built my client relationships on trust, integrity and exceptional service combined with competitive rates. My goal is to make the purchase or refinance process as simple and worry-free as possible in the current mortgage environment .
This starts with evaluating your personal and financial goals, educating you on your options, completing the loan application for you, communicating the loan's progress weekly, attending the signing of the loan documents and facilitating any loan issues after the close of the transaction. As a mortgage broker, my advice is independent and objective because I have many lending resources available to meet your goals. I am dedicated to giving my clients the best home-buying and refinancing experience possible.
Servicing only California at this time and specializing in the San Francisco Bay Area including the cities of Belmont, Burlingame, Campbell, Cupertino, Foster City, Half Moon Bay, Los Altos, Los Gatos, Palo Alto, Pacific Grove, Menlo Park, Portola Valley, San Carlos, San Francisco, San Mateo, San Jose, Santa Clara, Santa Cruz, Sunnvyale and Saratoga. In addition to the Los Altos office, Diversified Capital has offices located in the cities of Fremont, Campbell, Chico and Pleasanton.
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 Mortgage News Daily
The Day Ahead: Most Significant Economic Report and Final Auction - 1 hour ago
Posted To: MBS CommentaryWednesday ended on a positive note for Mortgage-Backed Securities and Treasuries after uneventful economic data in the morning, a reasonable 5yr Note Auction in the afternoon, as well as a bit of a push back against Tuesday's Greek-bailout-inspired positivity (that's "positivity" in a broad economic sense, the kind that favors stocks and tends to hurt bond markets). Looking at 10yr Notes as the most usual of suspects when it comes to benchmarking movements of broader bond markets, we see some interesting patterns in the week of trading so far. Early yesterday morning, they backed up to Tuesday's high yields before beginning their somewhat brisk counterattack lower in yield, eventually breaking past 2% later in yesterday's session. The characteristically low volume open of the following day...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
MBS RECAP: 2/22/2012 - 9 hours ago
Posted To: MBS CommentaryMBS Live : MBS RECAP Open MBS Live Dashboard FNMA 3.5 103-12 : +0-13 FNMA 4.0 105-08 : +0-08 FNMA 4.5 106-19 : +0-05 FNMA 5.0 108-02 : +0-04 GNMA 3.5 104-27 : +0-13 GNMA 4.0 107-22 : +0-07 GNMA 4.5 109-03 : +0-06 GNMA 5.0 110-29 : +0-03 FHLMC 3.5 103-05 : +0-13 FHLMC 4.0 104-28 : +0-08 FHLMC 4.5 106-06 : +0-07 FHLMC 5.0 107-22 : +0-05 Pricing as of 4:00 PM EST Afternoon Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 2:42PM : ALERT: Favorable Technicals For Bond Markets. Additional Positive Reprices We say "additional positive reprices" both in the sense that additional reprices have been reported since the last update and that there's ongoing potential for additional positive reprices at current levels. This afternoon's strength...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Mortgage Rates Improve But Remain On Fence Between Recent Offerings - 9 hours ago
Posted To: Mortgage Rate WatchYesterday marked the first time since late January that Best-Execution Mortgages Rates stood at 4.0% on average, as opposed to what had been the prevailing average of 3.875%. Rates improved today for most lenders, several of whom once again are offering 3.875% as a "best-execution rate" (learn more about what that means in this previous post with more detailed discussion about Best-Execution calculations ). But a significant portion of the market remains in 4.0% territory. Best-Execution is very much on a fence between the two rates after today's improvements. Apart from the slightly more favorable rate environment, little has changed between yesterday and today. Since Best-Execution is by no means firmly back to 3.875%, the question remains whether or not this will prove to be a brief foray...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Freddie Mac: Economy on Slow, Steady, Path to Recovery - 9 hours ago
Posted To: MND NewsWireIn the February Economic Outlook from Freddie Mac's Office of the Chief Economist is projecting a slow, steady path to recovery as the economy, it says, continues to build on the momentum it displayed at the end of last year. The report cites 243,000 new jobs in January, an unemployment rate falling to 8.3 percent and an increase in job openings to 3.4 million in December as indications of improvement. At the same time, there was a relatively low level of 2 million "voluntary separations," i.e. people quitting their jobs, that reflects a nervousness about the job market and a 1.2 percent drop in inflation-adjusted hourly wages, the steepest annual fall since 1989, also signaling job market weakness. The housing sector portion of the Freddie Mac report was a summary of information for the month...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
A Call to Action - FHFA?s Strategic Plan for Fannie Mae and Freddie Mac - 10 hours ago
Posted To: Voice of HousingYesterday the Federal Housing Finance Agency (FHFA) issued to Congress its Strategic Plan for Fannie Mae and Freddie Mac Conservatorships. Acting Director DeMarco and FHFA staff are to be soundly commended for their work in developing and publishing the Plan. The Plan is equally thoughtful and provocative and represents an essential next step in the continuing efforts to resolve the nation’s housing crisis. For example, the Plan acknowledges the critical importance of the technical and business infrastructures currently maintained and managed by the GSEs and without which the effective function of secondary market securitizations would be impossible. Likewise, the Plan notes the critical role of both GSEs in the nation’s continuing efforts to resolve the foreclosure crisis and maintain...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it. |
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