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RECENT NEWS

January 2010 2009 a Turn-around Year?

August 2009 CA Home Prices Rise in June

April 2009 Home Buyer Tax Credits: California and Federal

December 2008 Year End Financial Check-Up

September 2008 O.M.G. Expands With San Francisco Office

May 2008 Diversify Your Porfolio in Turbulent Times

January 2008 Lower Interest Rates!

October 2007 Save Waddle Ranch

September 2007 Sierra Sun - Teresa O'Dette, Decision Maker

July 2007 Introducing - The Home Ownership Accelerator!

April 2007 Your Certified Mortgage Planning Specialists!

January 2007 Taxes, Savings & W-4s

September 2006 Low Cost Touches to Your Home

May 2006 Meet Katie Rice

February 2006 Meet Ephraim Schwartz

November 2005 Setting Realistic Financial Goals

August 2005 Achieve Your Goals

Feb 2005 Adjustable vs. Fixed Rate Mortgage

Oct 2004 Home Business and Taxes

July 2004 Key Interest Rates At a Glance

April 2004 Planning Ahead... Financially

MORTGAGE TERMS

Adjustable Rate Mortgage (ARM)

Amortization

Annual percentage rate (A.P.R.)

Appraisal

Balloon (payment) mortgage

Buy-down

Caps (interest)

Conventional Loan

Credit Report

Debt-to-Income Ratio

Deed of Trust

Down Payment

Equal Credit Opportunity Act (ECOA)

Equity

Escrow

FSBO

Hazard Insurance

H.A.R.P.

HELOC (Home Equity Line of Credit)

Impound

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