Posts by jesse@northbaycap.com

USE ALIMONY TO QUALIFY FOR A MORTGAGE

USE ALIMONY TO QUALIFY FOR A MORTGAGE Nobody goes into a marriage planning on getting a divorce, but unfortunately it happens. In those instances there is usually a bread winner who is the higher earner. The lower earning spouse is counting on the higher earner in order to pay bills, live, etc. and they often…

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DENVER AREA ITIN LOANS TO PURCHASE OR REFINANCE

THERE ARE DENVER AREA ITIN LOANS OUT THERE AND WE HAVE THEM We need to explain what an ITIN loan is and why people in the Denver metro area may need to get an ITIN loan. The IRS defines an ITIN as, “An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by…

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I WAS QUOTED IN AN ARTICLE ABOUT VA CONSTRUCTION FINANCING

North Bay Capital helps veterans in homeownership I’m happy to say that Jeanne Sager, a writer for Lending Tree, interviewed me about VA Construction Loan Financing. I’ve linked to her article and pasted the questions she asked to help her get it going. Thanks again Jeanne, great article! The Interview Q. What’s the difference between…

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I WAS QUOTED IN AN ARTICLE ABOUT THE 30 YEAR MORTGAGE

     I provide insights on why people choose 30 year fixed rate mortgages with snipets from my interview by apartmenttherapy.com.   I was interviewed by Lesley Kennedy of apartment therapy regarding why people choose 30 year mortgages and what the attraction is to them.        It was a pleasure to provide some insight to…

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North Bay Capital Is Hiring!!

North Bay Capital is proud to announce that we need more loan officers to keep up with the demand.  Growth is a good thing, right?  Looking for highly motivated sales people, specializing in Hecm reverse mortgages.  North Bay Capital is a highly experienced HECM broker in Sonoma County with access to the FHA insured reverse mortgage…

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Sonoma County Home Sales July 2015

Sonoma County home sales report for July 2015 Overall a very strong market, prices are continuing to either gain ground or hold tight.  Inventory is still low relative to demand.  Mortgage rates are very good and the Fed still hasn’t committed to a rate hike date so we may see this remain throughout at least…

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Sonoma County Home Sales Report June, 2015

I’m a little late to the party on this report, but better late than never. Median home price in Sonoma County was 525K New listings dropped by 170 Home Values increase by 12.9% YOY So it looks like all good news for now, we’ll see what happens when/if the fed raises the fed funds rate

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USING A COSIGNER TO BUY A HOME

Using a cosigner to buy a home is a topic that doesn’t get enough play in my opinion.  My cousin read a recent article I wrote about how student loan debt affects qualifying for a mortgage and he made a comment that triggered a thought in my mind.  Calculating student loan debt payments is only…

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STUDENT LOAN DEBT AND MORTGAGES

Student loan debt and mortgages, how does one affect the other?  According to USA Today the national student loan debt was $1.2 Trillion in April of 2015.  How does that make you feel?  Let’s face it, our parents are great, but we don’t want to live with them forever.  There’s something about striking out on your…

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About Us

Thanks for visiting North Bay Capital. Local expertise and broad real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources offered here.

Please consider this website as your online source for mortgage, real estate, and local community information. Be sure to return often for the latest property listing updates. READ MORE

North Bay Capital

(707) 583-3666
2974 Night Song Way
Castle Rock, CO 80109

 

Company NMLS ID 1279902
Individual NMLS ID 278103
Company CA DRE 01970612
Individual CA DRE 01855372

This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA).
Loans made or arranged pursuant to CA Bur of Real Estate – Real Estate Broker – Broker#1279902. California Bureau of Real Estate (877-373-4542). NMLS #1279902