Get Your Mortgage Phil: California: San Mateo

If you live in San Mateo and you are interested in mortgage rates, here is a great article from Brian Brady. Somehow he is able to make an analogy about mortgage rate forces, and his daughter's actions/reactions at the beach! 

Are you looking for an estate planning attorney in San Mateo? Harry Pedigo is an estate planning attorney that I have met through our mutual membership in the Burlingame chapter of BNI. 

Harry Pedigo is a Bay Area native with a global interest. He received a BA degree from San Jose State and a JD from Santa Clara University. In the upper quarter of his law class, he passed the California Bar in 1980 and was admitted to practice law. Twenty one years later, he sat for the Hawaii bar and passed that.

Mr. Pedigo’s personal theory has always been to help the client and have the client come out of the representation in better shape that when he or she came in with a problem. Mr. Pedigo has worked for law firms and in his own business, and has many years of experience in personal injury, probate, trusts and estate planning, bankruptcy, family law, corporate formation, real estate and business law. He has the knowledge and expertise to take a matter to trial, tempered by the wisdom to keep his client’s interests first in mind. This always includes leaving the door open to settlement when to the client’s advantage.

In Mr. Pedigo’s life outside the law, Mr. Pedigo has traveled widely and lived both in India and Japan. As a result of these experiences, Mr. Pedigo is sensitive to cultural differences and bridging this gap when a client with a different background is caught up in a legal problem. Mr. Pedigo was a teacher and counselor before becoming a lawyer, and he believes it very important to keep a client informed not only about the status of a case but what options are possible and the likely risks and benefits of those options.

In addition to being a member and past president of the Burlingame Lions Club, he is active in church and community affairs and, in addition to attending Indian and Japanese cultural events, is active in the Bay Area Hawaiian community. He has two grown daughters, a granddaughter and a grandson.

Probate, Trusts and Estate Planning, Bankruptcy, Real Estate and Business Law

Mr. Pedigo continues to practice in probate, trusts and estate planning, bankruptcy, family law, corporate formation, real estate and business law. Since regular hourly fees can be expensive, he usually charges a special minimal rate for the first consultation and, depending upon the type of case and length of consultation, he may not charge at all for the first consultation. If the legal problem is something which Mr. Pedigo cannot handle for some reason, he can usually refer the client to someone who does practice in that area or explain how to go about finding the proper attorney.

If you would like to contact an estate planning attorney in San Mateo who puts your interest first, you can e-mail him, or call him at (650) 344-7641.

A Reverse Mortgage Alternative

It happens more often than not these days when a buyer finds a great piece of property, places an offer on it, the offer gets accepted without delay, the financing gets approved in 2 days through FHA and then the buyer gets "Buyers Remorse".

Is that a bad thing? Does it have to take 3 months before a buyer finds a nice property, the loan which was denied at first gets approved then the buyer is convinced that they have found a treasure? Is that what it realy takes for a buyer to commit?

I have yet not been able to answer this question. Maybe you can give me your input on it.

Soren Darougar
Prudential
San Mateo

Are you looking for a jumbo loan in San Mateo, CA? I can help you. As a mortgage broker in Burlingame (right next door to San Mateo), I am able to match you with the best jumbo loan for your needs because we are partners with many of the best jumbo lenders in the country.

As a mortgage broker, I save you money, time, and hassle in obtaining a jumbo loan.

I save you money because I offer a smorgasbord of jumbo loan programs.

If you call a bank they will offer you only the programs they have. Their jumbo loan programs may or may not be competitive. Their underwriting guidelines may not meet your needs. The benefits I offer is that I know who offers the most competitive jumbo loan rates. In addition, I know what the underwriting guidelines are of each of the lenders. With this knowledge I am able to save you money on your jumbo loan request.

I can save you time with your jumbo loan request.

Your time is valuable; you could spend a lot of it calling on the phone and searching the Internet for the best jumbo loan terms, or you can make one call to me because I have access to most of the jumbo loan programs. 

Another way I can save time is I can say no to you. If you call a jumbo loan lender that is limited in programs available, they may try to push your file through their underwriter in hopes of getting it approved. Since I have so many jumbo loan programs available, I can say no, that will not work, here is an alternative that will.

Nobody likes the hassle of applying for a jumbo loan.

I minimize the hassle for you. After taking your jumbo loan application, I will send you a checklist of documents needed. Most loan agents provide this, however, my checklist is different. It is very specific to your situation. If your jumbo loan application requires two years of tax returns, I will ask for two years of tax returns - if it is not required I will not. I minimize your hassle by being very specific about your jumbo loan documentation requirements. Also, I try to get as much of your information upfront so that you are not getting nagging phone calls asking for more jumbo loan documentation.

San Mateo, CA has some very expensive homes. It's not unusual to see homes listed for sale for more than $2,000,000. If you need a jumbo loan of more than $1,000,000 do not be surprised if the lender requires two appraisals. The lender will usually use the appraisal with the lower value when underwriting your package.

If you are thinking about refinancing and obtaining a jumbo loan with cash out, don't be surprised if the lender limits the amount of cash out to $200,000. There are exceptions to this general rule - this is one area in which I can really help you because I know which jumbo loan lenders allow more than this amount.

Now in August, 2009, obtaining a jumbo loan is more difficult than ever. Make sure you contact a seasoned loan professional that you are confident than can help you navigate through this process!

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Are you looking for an insurance agent in San Mateo, CA? Well, you need to meet Kelly Corwell. Kelly is an energetic insurance agent who takes the time to educate her clients about risk, and how insurance will provide her client's peace of mind knowing that they will be protected from any unexpected event that may occur in their lives.

The Corwell insurance agency serves the Greater Bay Area (locally in San Mateo and Burlingame). It is affiliated with Farmers Insurance and Financial Services. Kelly takes pride in being a very "hands on" insurance agent. She conducts annual reviews with each of her clients to make sure they are properly protected. Life changes, and Kelly makes sure that her clients are protected with the inevitable changes that life brings.

Kelly is an insurance agent that provides many different types of protection: auto, home (condo, renter), life, identity theft, motorcycle, boats, recreational, financial, and business. If she cannot provide protection for what her clients need, she will find someone who will.

Kelly has told me that 60% of all homeowners are under-insured. She offers a free full insurance review. If she finds that your coverage is sufficient, she will recommend that you keep it. If not, she will educate you on why it is not sufficient, and make recommendations on how to adequately protect yourself. She is an insurance agent that puts her clients' interests first.

If your insurance policies are with a large company, your contact may be with a customer service agent through an 800 number. To many of these insurance companies, you are just a number. How would you like to have one person to call if you had a question, concern, change, or need to add something? Kelly is an insurance agent that can provide personalized service for you. 

Although Kelly is a "hands on" insurance agent, she does provide the convenience of being an online insurer with a user-friendly website for bill pay and policy access. She is a great insurance agent for those that like to do business over the internet, and also for those that like to walk into the office to make their premium payment!

Corwell Insurance Services is conveniently located at 635 Mariners Island Boulevard, Suite 100, in San Mateo. She can be reached at (650) 296-5850. Her e-mail is kcorwell@farmersagent.com. If you are looking for an insurance agent who will educate you, put your needs first, and is easily accessible, contact Kelly Corwell!

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