Welcome to our site!

Thank you for stopping by our mortgage web site. Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want y ...

8 Questions Your Lender Should Answer About Mortgage Rates

Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-I ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


5 Tips for Protecting against Identity Theft during a Move

RISMEDIA, Thursday, September 18, 2014— Even when a move goes off without a hitch, it can still be one of life’s most stressful events. The last thing you want is to be caught off guard by a case of identity theft just as you’re settling into your new home. Unfortunately, moving can put a bi ...
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Living Smart: Keep Care of Kitchen Appliances on Front Burner

RISMEDIA, Wednesday, September 10, 2014— (MCT)--Next time you use your fridge, dishwasher or stove, be careful that you’re not unknowingly making it vulnerable to an early breakdown. Appliance repair pros who’ve earned top ratings from Angie’s List members offer tips for making sure y ...
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Beware, Mortgage Scammers on the Rise Again

RISMEDIA, Tuesday, August 26, 2014— (MCT)—For years, it was “the Wild West” of real estate scams. As the housing crisis pummeled struggling homeowners, scammers pounced. They offered “easy” loan modifications and “foreclosure counseling” that were often nothing more than attem ...
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Interest Rates Little Changed on New Home Loans

  RISMEDIA, Thursday, September 04, 2014— On August 28, the Federal Housing Finance Agency (FHFA) reported that, overall, mortgage interest rates were flat in July. To a large extent, the same was true for the subset of loans used to purchase new homes. Between June and July, the avera ...
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Direction of Rates

Mortgage rates continued lower today following the Janet Yellen's confirmation hearing before the Senate Banking Committee.  Yellen is the nominee to replace Bernanke as the Chair of the Federal Reserve, and her stance on monetary policy is tremendously important to bond markets (including mortgage-backed securities, which most directly influence ...
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Seven Things Your Agent Should Know About Your Mortgage Approval

While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied. New regulation, updated disclosures, appraisal guidelines, mortgage rate pric ...
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  • MDC Financial Service Group NMLS # 337419 - CA DRE # 01523734

    Stephen Crisci, Loan Officer NMLS #343258 CA DRE #01882436