Folsom, Loan Officer

James Anderson

"I’ve been in the mortgage industry for over 18 years.  Having held nearly every position in the loan process from start to finish, including executive positions, I’ve found that there is nothing more rewarding than working directly with clients to help them achieve their home financing goals.  Clear and consistent communication throughout the process as well as being available to my clients (yes, even weekends!!) has been the foundation for my success.  Navigating through the many loan choices available and the every changing guidelines can quickly become overwhelming for most.  My goal on every transaction is to educate my clients on the best options available given their scenario, navigate them through the process, establishing expectations and then surpassing those expectations in the end.  I also pride myself on being able to “run” as fast as the client wants/needs to on a transaction.  Whether it’s a standard 30 day escrow or a faster close of  escrow is needed, we outline a plan to get it done!  I look forward to being your long term mortgage professional!"

NMLS #983772

Testimonials>

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California Mobile Notary Network

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Sacramento Mobile Notary Signing Agent, Spanish Translation, Apostille service. Tel 1-707-992-5551

California Mobile Notary Network Official Page | Sacramento Estate Planning

Title Escrow news

Ticor Title showed a strong third quarter with everyone knowing that the transition from a refinance driven market to a purchase driven market was a reality. They achieved nearly the same margin of 2012 despite 15% decline in closed orders.

Escrow Closings
How to avoid costly delays.
Having an awareness of bank requirements in advance of your signing appointment can make the difference:
- Find out with your bank about wire limitations or account restrictions. If your bank has a daily limit you may not provide the necessary funds to close.
- If funds are to be deposited into the seller's investment account: Be sure to bring full account information.
- If your property is in a Trust, do you have an account just for that Trust? Proceeds cannot be deposited in individuals accounts. Read all details at Ticor Blog

They also provided a useful information regarding your stolen identity. Place an initial fraud alert on your credit report. Order your credit reports. Create an Identity Theft Report. Should Notary Signing Agents provide a summary of steps to take to protect your confidential information at the time of a signing?



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California Mobile Notary Network

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Sacramento Mobile Notary Signing Agent, Spanish Translation, Apostille service. Tel 1-707-992-5551

California Mobile Notary Network | Sacramento Estate Planning | Sacramento Notary

California Mobile Notary Network at Twitter

Fing a #CaliforniaMobileNotarySigningAgent California Mobile Notary Network loan signings http://t.co/edXZBVZXJw pic.twitter.com/71cgrIDAZF
— Sergio Musetti Calif (@SergioMusetti) November 13, 2013

California Mobile Notary Network

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Sacramento Mobile Notary Signing Agent, Spanish Translation, Apostille service. Tel 1-707-992-5551

California Mobile Notary Network | Sacramento Estate Planning

Mortgage Loan Officer - Loan Originator JOB.

Mortgage Loan Officer - Loan Originator

Carrington Mortgage Services, a fully integrated mortgage company with mortgage lending, servicing operations and an affiliated real estate brokerage is currently hiring Licensed Mortgage Loan Officers.

We service approximately $16 billion in mortgages and are licensed to arrange financing in a majority of states in the U.S.

Think you have the experience and talent to be a top producer?
Tired of fighting to fund your loans?
You know how to get the job done but are missing support?
Then Carrington Mortgage Services, WANTS YOU!Our Real Estate Affiliate lists and sells retail & REO properties for Carrington Mortgage Services. These REO’s generate 5+ pre-qualifications and purchase leads.

As a member of the Carrington Family you’ll benefit from…

• · We have a 25 Day Guarantee!
• · Competitive pricing, no hidden fees or margins.
• · Our own Real Estate Affiliate.
• · Diverse product lines.
• · Paperless loan file flow and process.
• · Service level commitments for all support functions.
• · A choice of having processing in the branch or at the corporate office.
• · Our loan officers work with Multiple Loans Programs as we are a DIRECT LENDER. We can portfolio products, do correspondent, or broker.
• · We Have REO Leads, Purchased Leads, and our own RE Team.
• · We own 15 companies including a Atlantic Pacific Real Estate (real estate sales), Servicing, Escrow, REO’s.
• · We are opening 70 more branches this year so there is also tons of room for advancement.
• · Stability. Carrington is not just a mortgage lender. We are part of Carrington Capital, a Billion$$ Asset Manager.
• · Company Laptop and IPhone Provided.
• · Expense account for most of your business to business expenses including business lunches, membership in business organizations, Open House or seminar expenses. The company will also support and offset your efforts in sourcing business!
• · Competitive benefits package including, medical, dental, vision and much more.

Requirements:

• · 2+ years of mortgage lending experience preferred.
• · Safe Act 2008 certification required
• · Must be team oriented
• · Strong experience with FHA and conventional loans
• · Must be able to follow loan protocols

Key Terms: Mortgage Loan Officer, Loan Officer, Senior Loan Officer, Mortgage Banker, Home Mortgage Consultant, Mortgage Consultant, Senior Mortgage Loan Officer, Sr. Loan Officer, Personal Banker

Desired Skills and Experience

Requirements:

• · 2+ years of mortgage lending experience preferred.
• · Safe Act 2008 certification required
• · Must be team oriented
• · Strong experience with FHA and conventional loans
• · Must be able to follow loan protocols

Loan Origination:

Folsom, California

Newport Beach, California

Anaheim, California

Fresno, Pleasant Hill, San Bernardino, Covina, Ventura, San Jose, Murrieta, San Bernardino, Oceanside, Riverside ...

      MORE

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California Mobile Notary Network

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Sacramento Mobile Notary Signing Agent, Spanish Translation, Apostille service. Tel 1-707-992-5551

California Mobile Notary Network | Sacramento Estate Planning

The Top Five Real Estate Myths Explained

It’s hard to forget the effect the real estate market crash had on many people during the recession, which is why so many myths and rumors continue to permeate this industry. Interested home shoppers tend to buy into five top myths, but if you dig a little deeper, you will quickly realize that there isn’t much truth to these rumors. Here, we explain the top five real estate myths!

Find a Fixed Mortgage: One of the biggest issues during the economic downturn was willy-nilly lending practices that included adjustable rate mortgages (ARMs). Buyers were enticed into a super low interest rate that would later adjust into something they could never afford. That’s why so many people are preoccupied with fixed-rate mortgages. According to David Reiss, a professor at Brooklyn Law School who specializes in real estate: “The necessity of getting a 30-year fixed rate mortgage is one of the biggest myths about home buying. The average American household stays in their home for about seven years. Typically, 30-year fixed rate mortgages have higher interest rates than adjustable rate mortgages (ARMs). Home buyers should take a hard look at their plans for the new home.”

Dinged Credit Will Prevent a Mortgage Approval: Buyers with less-than-perfect credit are usually hesitant to sit down with a mortgage broker and discuss their options because they’re confident the answer will be a resounding: “NO!” Not the case though. Lenders are more willing than ever to work with interested buyers, realizing that many were hard-hit during the economic downturn in the way of job loss, foreclosure and so forth.

Don’t Start House Shopping Until You Have 20 Percent In the Bank: A 20 percent down payment became the magic number during the housing crisis, but it’s not necessarily the amount you need to purchase a new home. There are a variety of loans out there that require considerably less than 20 percent down, and speaking with a lender is the best way to apprise yourself of what’s available and what you qualify for finance-wise.

To Save Money, Forget Working With a Realtor: Unless you have your real estate license, the small amount of money you would save from eliminating a real estate agent is definitely not worth it. Real estate agents are adept at negotiating on your behalf, working through contingencies, communicating with the seller on your behalf, and working through the tall stack of paperwork that a real estate purchase requires. Plus, it’s more common than not for a seller to pay their commission anyway.

Don’t Delay, Buy Today: Frenzy is a word that many have used to describe the national real estate market in 2013. As prices pushed higher and many markets saw bidding wars, buyers were prompted off of the sidelines to get in the game. But buying a home is a big decision and you need to make sure you’re ready for the commitment. Just because everyone else is buying does not mean that today is the right time for you.

- See more at: http://glenoaksescrow.com/2013/11/04/the-top-five-real-estate-myths-explained/#sthash.FVsxlU0V.dpuf

Glenn Oaks Escrow

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Sacramento Mobile Notary Signing Agent, Spanish Translation, Apostille service. Tel 1-707-992-5551

California Mobile Notary Network | Sacramento Estate Planning

Mortgage rates, stock market, economy

We closed the week with very disappoint- ing results for the underlying financial instruments that dictate home loan rate

financial markets. The stock markets were not really overjoyed at the Fed’s newly stated position. Stock prices fell after peaking at new record highs for a few of the primary stock indices earlier in the week.

levels, the delivery rate (DR), in spite of a paucity of meaningful econonews releases.

Some of the econonews releases of this past week included September pending home sales falling by 5.6% relative to August. Not a good omen for the fu- ture of home sales. The Case-Shiller home price index reflected a slowing of the pace of price appreciation.

Typically we see home loan rates and bond yields rise when there is favorable indications that the economy is expanding more rapidly and/or there is an increased potential for unacceptable levels of inflation making its way into the economy. We did have
one report that suggested consumers’
expectations for inflation in the future
was higher, but that was nothing more
than a footnote in one release.

Retails sales for September fell by 1/10% and this is worrying retail organizations for the upcoming holiday shopping season. Inflation on the wholesale and manufacturing levels fell by 1/10% while consumer level inflation rose by 2/10% with the core rate up only 1/10% allevi- ating some of the market’s inflation concerns.

We are nowhere close to unac-
ceptable levels of inflation within the
economy. Beyond that, the Fed even
said in their press release this past week
(after their monetary policy meetings)
that they are willing to raise their ac-
ceptable inflation level temporarily as
the economy needs some stimulus to get back on track The stimulus we are referring to is the Fed’s monthl purchase of $85 billion of US Treasury instrument and mortgage-backed securities (MBS-the stuff tha determines the DR).

Initial claims for jobless ben- efits came in higher than expected while ADP job creation figures were less than expected. Of course with numbers like these and the government shutdown it should come as no surprise that consumer confidence has been badly shaken and it plummeted for October. All the news should have pushed rates

The universal reaction of the Fed suggestin higher inflation levels, for whatever reason, was ba for the potential consequences for the long-term infla tion paradigm, or so the markets believed. We do no subscribe to that perspective, but we do not control th

lower, but it didn’t.
Looking ahead to the upcoming week we see

enough fundamental data to turn the tide back in the direction of a downward glide path for home loan rates, but... Stay tuned.

We are seeing a surge of private capital coming into the housing sector. This is a great turn of events.

Pro Mobile Notary’s Weekly Market InsightsTM 

www.pro-mobile-notary.com

 

Advance Planning Can Help Relieve the Worries of Alzheimer’s Disease

Advance Planning Can Help Relieve the Worries of Alzheimer’s Disease

The “ostrich syndrome” is part of human nature; it’s unpleasant to observe that which frightens us.  However, pulling our heads from the sand and making preparations for frightening possibilities can provide significant emotional and psychological relief from fear.

When it comes to Alzheimer’s disease and other forms of dementia, more Americans fear being unable to care for themselves and burdening others with their care than they fear the actual loss of memory.  This data comes from an October 2012 study by Home Instead Senior Care, in which 68 percent of 1,200 survey respondents ranked fear of incapacity higher than the fear of lost memories (32 percent).

Advance planning for incapacity is a legal process that can lessen the fear that you may become a burden to your loved ones later in life.

What is advance planning for incapacity?
Under the American legal system, competent adults can make their own legally binding arrangements for future health care and financial decisions.  Adults can also take steps to organize their finances to increase their likelihood of eligibility for federal aid programs in the event they become incapacitated due to Alzheimer’s disease or other forms of dementia.

The individual components of advance incapacity planning interconnect with one another, and most experts recommend seeking advice from a qualified estate planning or elder law attorney.

What are the steps of advance planning for incapacity?

Depending on your unique circumstances, planning for incapacity may include additional steps beyond those listed below.  This is one of the reasons experts recommend consulting a knowledgeable elder law lawyer with experience in your state.
 

1. Write a health care directive, or living will.  Your living will describes your preferences regarding end of life care, resuscitation, and hospice care.  After you have written and signed the directive, make sure to file copies with your health care providers.
    
2. Write a health care power of attorney.  A health care power of attorney form designates another person to make health care decisions on your behalf should you become incapacitated and unable to make decisions for yourself.  You may be able to designate your health care power of attorney in your health care directive document, or you may need to complete a separate form.  File copies of this form with your doctors and hospitals, and give a copy to the person or persons whom you have designated.
    
3. Write a financial power of attorney.  Like a health care power of attorney, a financial power of attorney assigns another person the right to make financial decisions on your behalf in the event of incapacity.  The power of attorney can be temporary or permanent, depending on your wishes.  File copies of this form with all your financial institutions and give copies to the people you designate to act on your behalf.
    
4. Plan in advance for Medicaid eligibility.  Long-term care payment assistance is among the most important Medicaid benefits.  To qualify for Medicaid, you must have limited assets.  To reduce the likelihood of ineligibility, you can use certain legal procedures, like trusts, to distribute your assets in a way that they will not interfere with your eligibility.  The elder law attorney you consult with regarding Medicaid eligibility planning can also advise you on Medicaid copayment planning and Medicaid estate recovery planning.

Sacramento Estate Planning - Asset Protection - Special Needs Planning - Elder Law - Living Trusts -

Probate and Estate Administration - Medi-Cal Planning - Wills and Trusts - Planning for Children

Law Office of Joan Medeiros

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