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”.,3,














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 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 or by calling 415-250-7241

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Realtor Market Insider


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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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March Real Estate & Mortgage News


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