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Brian Paris's Blog


Are Bi-Weekly payment worth it?
Updated Oct. 24, 2014
It's important to understand the benefits of biweekly mortgage payments because the savings are significant.. A lender will collect about 3 times the amount of the mortgage loan you borrowed from the interest. This can equate to hundreds of thousands of dollars in interest you pay. Woah! The best way to...
SHORT SALES: TOP 10 MYTHS DEBUNKED!
Updated Oct. 9, 2013
SHORT SALES: TOP 10 MYTHS DEBUNKED!Myth #1: The homeowner must fall behind on mortgage payments in order to qualify for a short sale. Debunked: Years ago this may have been true, but not in 2012.? A financial hardship must exist, such as the ARM (Adjustable Rate Mortgage) increasing in monthly payments.? Loss of...
Foreign Nationals
Updated Oct. 9, 2013
Are you a Foreign National or have a client who is a Foreign National? I have loan programs for you.. Contact me at 925-698-1114 or bparis@mhmb.com.
USDA Loans
Updated Oct. 9, 2013
USDA loans 0% down, up to 417K. Contact me at 925-698-1114 or bparis@mhmb.com for details..
Housing sales drop
Updated Oct. 9, 2013
Well the obvious reason is there is no inventory! With no inventory prices rise which is a great thing for all of us who have been sitting on the sidelines waiting for the market to recover. The other thing that happen is the amount of house sold in the month drops. This is used for some economic indicators but in this...
Are you eligible for HARP
Updated Oct. 9, 2013
HARP goes by several names. The government calls it HARP,HARP 2, HARP 2.0 as in Home Affordable Refinance Program.. In order to be eligible for the HARP refinance program borrowers must meet the following criteria: . The program is also known as the Making Home Affordable plan, the Obama Refi plan, DU Refi+, and...
Down Payment assistance for california homeowners
Updated Oct. 9, 2013
California Housing Finance Authority (CALHFA) has a wonderful program called the California Homebuyer's Down-Payment Assistance Program (CHDAP).. The CHDAP provides a deferred-payment junior loan - up to 3% of the purchase price, or appraised value, whichever is less, to be used for their down...
First time buyers
Updated Oct. 9, 2013
Did you know under FHA guidelines, you are considered a first time buyer if you have not had a mortgage on a primary residence for 3 years or more. So whether you had a foreclosure, BK, or short sale you are considered a first time buyer after 3 years! Even if you lost your primary residence and kept a rental but...
CA helps First time homeowners
Updated Oct. 9, 2013
California Housing Finance Authority (CALHFA) has a wonderful program called the California Homebuyer's Down-Payment Assistance Program (CHDAP).The CHDAP provides a deferred-payment junior loan - up to 3% of the purchase price, or appraised value, whichever is less, to be used for their down...
Mortgage Insurance Tax Deduction for 2012-13
Updated Oct. 24, 2014
MI basics: tax-deductible MI. MI Tax Deductibility passed as part of the American Taxpayer Relief Act of 2012.. Borrower-paid MI premiums are tax-deductible through the year 2013. Borrowers should consult their tax advisors regarding MI tax deductibility. See disclaimer note below.. FAQs. Does the bill apply to...

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