Greg Cowart on Zillow
Greg Cowart - Mortgage Broker or Lender at The Securus Group
Greg Cowart - Roseville Loan Guy

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More mortgage payments being made on time since before recession

This has been a popular subject on this site, I’ve often discussed it in a way that flies in the face of what the conventional media has been pushing for the last few years; the rate of mortgage delinquencies nationwide has decreased to its lowest level in the last six years (since “pre-crash”).


The ALL-TIME, all time lows are here!

Interest rates on homes continue their downward trend. GSE Freddie Mac reported that the average 30-year fixed-mortgage rate sank to 3.91% last week, setting an all-time record low. 15-year fixed rates settled in at a historic low at 3.21%.

To put the declines into perspective, today’s homebuyers are paying over $1,200 less per year on […]

New refinance system being considered

The administration is now considering a new refinance program that would provide millions of homeowners with new, lower interest, lower payment mortgages…

The initiative would reportedly allow borrowers with loans backed by Fannie Mae and Freddie Mac to refinance at today’s rates, even if they are in negative equity or have […]

Credit Makeover In Five Steps

My friends at local credit repair agency, Blue Water Credit Repair, gave me this GREAT five step path to a credit makeover. While I know all of this myself I can’t take credit for putting it into words (and Blue Water taught me a bit of this stuff anyways). Here you go, a free five […]

Will it ever end??? (mortgage fraud)

Just reading the news these days is dangerous. When I thought that everyone that could have been caught for this type of behaviour already has, TWO new stories pop up in the same week, right here in Roseville!

8 Indicted On Roseville Mortgage Scam Allegations Roseville Man’s guilty plea in $2.9 Million real estate Ponzi […]

Fannie Mae brings back closing cost assistance, and improves it even more!

I have some GREAT news. Government-chartered mortgage giant, Fannie Mae announced they are bringing back closing cost assistance to buyers of HomePath-eligible homes. People buying one of the Fannie Mae owned REO’s will receive a 3.5% credit towards closing costs. In most cases this 3.5% should be enough to cover 100% of the […]

Meet the Gardening Experts at Water Awareness Day

If you love to garden and are tired of maintaining your water-thirsty plants, be sure to join us at the second annual Water Awareness Day event on Saturday, March 19 at the Roseville Utility Exploration Center, 1501 Pleasant Grove Blvd. Visitors will meet with local gardening, landscape and irrigation design experts to learn […]

Claims at odds with reality at Quicken Loans

You can’t always believe what you read (or what BS you are being sold by some people/companies). Quicken Loans, one of the nation’s largest mortgage lenders that boasts to have “survived and thrived” in today’s difficult market by avoiding subprime mortgages and predatory practices, claims the top spot in surveys for customer satisfaction […]

Neither the best of times, nor the worst of times…

This is a great article by one of our nation’s top independent financial professionals, Ric Edleman. Ric talks about today’s real estate market, the different perspective between buyers and sellers, and why this difference may be slowing down the normal real estate cycle.

Ric’s article <- click

Local Mortgage Delinquencies Are Down

Good news? In this world? No way! I thought it was all doom and gloom…

For seven straight months mortgages delinquencies have fallen, even while the rate of homes in the foreclosure process and those repossessed by banks climbed. According to CoreLogic Systems, the firm that tracks the rate of delinquency for all homes […]