‘Home’ward Bound More Than Real Estate News

June 2018

 Celebrating Dads & Grads


We want to wish all Dads a Happy Father’s Day!  To all the GREAT Dads out there we hope you enjoy a day filled with relaxation, great food, good company, and all those that you love most!

We would also like to extend out CONGRATS,  to all the 2018 graduates who are moving on to new exciting chapters of life.

Your Referrals help the kids!

Our unconditional lifetime real estate guarantee: You and Any One You Refer Us To Sell the place they call home, will be overjoyed with the experience and outcome.  If not, I will refund 100% of the Income we receive on the sale!

We are committed to your satisfaction as well as your friends, neighbors, family and associates satisfaction.  So, this life time pledge to do a Great Job for you and those you care about is a gift we are happy and eager to give.

This is where we need your help and how you can benefit at the same time…….

Charitable contributions are tax deductible to a point. Rather than give your money to the government, you should consider making a donation to a charity. I believe it will somehow come back to you, well beyond a simple tax deduction. A core value at our company is “the size of the hole you give through is   directly proportionate to the size of the hole you receive through.”

Either way, your referrals are in good hands and help us contribute to a good cause. Life moves fast for some and we are eager to make the Home Selling and Buying experience a smooth rewarding one.  Over the last six years of helping families sell their home and/or buy another, we have met some wonderful, loving, caring people.  People like you!

Your Referrals Really Do Help the Kids…   

We are committed to giving to our local schools! So please, keep the referrals coming. Any one you know considering buying or selling a home call us direct at 415-250-7241 or pass our number on to them.

You and your referrals mean more than ever to us.  As we move forward this Summer, please know we are extremely thankful for you being a special part of our business.

With all our appreciation.

Brandon & Angel

To Request a FREE Home Evaluation visit : Values.BrandonMcGrathAuthor.com

Why we Support our local schools

We grew up right here in Novato, where we both attended kindergarten through high school.  We are now raising our family here.  Our oldest daughter graduated from Novato High School in 2012 where she was a student in the Marin School of the Arts.  She now has her bachelors degree and is working for a Law Firm right here in Novato.  Our two younger sons also attend middle school and high school here in Novato and are doing well.

Having spent so much time involved in the local school, sports, and music programs we have seen first hand how much money is provided not by the city or state, but by the parents and local community.  Our schools have amazing extra curricular programs and sports teams that would not be possible without the help of the community to bridge the funding gap.  We are happy to help in any way possible to contribute to the education of our kids and the strength of our local community.  Let us know what school programs are important to you.


Brandon and Angel

Monthly Client Raffle

Leave us one New review on any of the following sites:

Zillow, Google, Facebook, Yelp, or Request one of our books for a friend (BrandonMcGrathAuthor.com)

Our raffle prize this month will be a beautiful fire pit to enjoy with friends and family this summer, including your favorite bottle of wine or a $300 Costco Gift Card.

Last Day to Enter will be June 30th

Winner will be announced July 1st


Broker/Owner/Realtor:  Brandon McGrath (415) 250-7241
BRE Lic#01867243 Ind.NMLS#334707 Company NMLS#368447
Broker Associate: Angel Morales (415) 497-0768 BRE Lic#01923083
Office: 130 Kaden Dr. Novato Ca. 94947




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September Real Estate News

Labor Day is a U.S. national holiday held the first Monday every September. Unlike most U.S. holidays, it is a strange celebration without rituals, except for shopping and barbecuing. For most people it simply marks the last weekend of summer and the start of the school year.

The holiday’s founders in the late 1800s envisioned something very different from what the day has become. The founders were looking for two things: a means of unifying union workers and a reduction in work time.

So to celebrate the month of September and the affection for Laboring, we have a special announcement to make: We will be Laboring, but for a very special reason. Right now, someone you know may be caught in a catch 22. They are nervous about moving or the opposite, desperate to make a move. This is why we have developed a special program for those you know that are considering a move.

If you buy a home with us we will do your loan for free. This can help you or anyone you know in several ways.  It can lower your interest rate and monthly payment, allow you to qualify for a larger loan or help you to cover closing costs.  If this sounds like something that would benefit you, or someone you know, please give us a call to discuss the details.

Even if YOU are not moving, you can still help!

This is because YOUR referrals help the kids…..

We look forward to donating $250 for every closed loan or lease, and $500 for closed every real estate transaction to the school or team of your choice.

Libor to end in 2021: What does this mean for Adjustable mortgages?

The change in the adjustable rate mortgage index will create a lot of questions and uncertainty.  There is no concrete answer yet as to how this will affect borrowers with an adjustable rate mortgage, however it is clear that investors will not be looking to make less than they currently are now.  If you have an adjustable rate mortgage and would like to discuss refinancing into a fixed rate mortgage please give us a call.

August 27th, 2007……Ten Years since the beginning of the crash!

Ten years ago Brandon lost his job with Green Point Mortgage as another big lender closed its doors.  The signs of the crash had been evident prior to the Green Point Mortgage Headquarters closing.  There had been large layoffs at smaller branches all leading up the final announcement.

A few of those same signs are starting appear again throughout the country, most recently with New Home Sale Prices dropping in the state of Texas.  Additionally, stated income, interest only, and lower down payment loans are working their way back into the market as lenders search for new ways to generate more business. Is this another pre-curser to a housing correction or just the normal plateau before another increase in home values?  If your living in the Bay Area it is hard to relate as we see little to no slowdown in the increase of home values.

The significant lack in housing inventory has created a seller’s market where housing values are consistently rising with each neighborhood sale.

Client Raffle News: 

Summer is over and we are bringing back our monthly client raffle.

We hope you all had a wonderful summer and are looking forward to all the amazing things the fall season has in store.

This months raffle prize will be a $100 gift card to the restaurant of your choosing.  We will have 3  winners.  To enter our raffle please write us a review on Google Business.  If you have already written us a google review you will be automatically entered.

To Enter: Search West Cal Financial on Google and click on “write a review”.















We want to make it easy to refer your friends, neighbors, associates or family members considering making a move, so here are some options:

  1. You can go to www.WCFReferralRewards.com and enter their contact info on line or forward the link to who you know considering a move.
  2. Of course you can always call us direct as well at 415-250-7241.

You and your referrals mean more than ever to us.  As we move forward, please know we are extremely thankful for you and your being a special part of our business.


With all our appreciation,

Brandon & Angel

West Cal Financial

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Again… You Do Not Need 20% Down to Buy NOW!

Again… You Do Not Need 20% Down to Buy NOW! | MyKCM

A survey by Ipsos found that the American public is still somewhat confused about what is required to qualify for a home mortgage loan in today’s housing market. There are two major misconceptions that we want to address today.

1. Down Payment

The survey revealed that consumers overestimate the down payment funds needed to qualify for a home loan. According to the report, 40% of consumers think a 20% down payment is always required. In actuality, there are many loans written with a down payment of 3% or less.

Many renters may actually be able to enter the housing market sooner than they ever imagined with new programs that have emerged allowing less cash out of pocket.

2. FICO® Scores 

The survey also revealed that 62% of respondents believe they need excellent credit to buy a home, with 43% thinking a “good credit score” is over 780. In actuality, the average FICO® scores of approved conventional and FHA mortgages are much lower.

The average conventional loan closed in February had a credit score of 752, while FHA mortgages closed with a score of 686. The average across all loans closed in February was 720. The chart below shows the distribution of FICO® Scores for all loans approved in February.

Again… You Do Not Need 20% Down to Buy NOW! | MyKCM

Bottom Line

If you are a prospective buyer who is ‘ready’ and ‘willing’ to act now, but are not sure if you are ‘able’ to, let’s sit down to help you understand your true options.


Contact us for a free/no obligation price quote by sending an email to Brandon@WestCalFinancial.com or by calling 415-250-7241

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Realtor Market Insider


To Learn More CLICK HERE

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Click here to discover four great reasons to consider buying a home today instead of waiting.


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April Real Estate & Mortgage News

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March: Real Estate and Mortgage News

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