Welcome to our site!
Welcome to Inland Empire Mortgage Information by Mark Estermyer and RPM Mortgage!!! Thank you for stopping by our mortgage web site. As you enter the real estate market as a first time home buyer, investor or move up buyer in 2010, yo ...
8 Questions Your Lender Should Answer About Mortgage Rates
There are so many resources in the Riverside/San Bernardino/Ontario area, just 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 ...
How Much Can I Afford?
How much mortgage money can I qualify to borrow? In Riverside/San Bernardino/Ontario this is typically the number one question asked by all 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-Income Ratio and generally allow for 28-31% of your gross income to be used for the new house payment with up to 43% of your gross income to be used for all consumer related debts combined. Samp ... Read More...
What You Should Know About Buying A Flipped Property
Purchasing a flipped property in San Bernardino and Riverside counties just got easier. RPM Mortgage has eliminated the maximum 20% increase in sales price within 90 days. This change in guidelines will be huge for those looking to purc ...
HARP 2.0...Who Will This Latest Version Help?
For homeowners whose current mortgage balance exceeds the value of their home…basically, you’re underwater on your mortgage; HARP 2.0 may be the golden key to a lower mortg ...
What You Should Know About Buying A Flipped Property
Purchasing a flipped property in San Bernardino and Riverside counties just got easier. RPM Mortgage has eliminated the maximum 20% increase in sales price within 90 days. This change in guidelines will be huge for those looking to purchase a flipped property while interest rates are at 50 year ...
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Home Buyer Assistance Program For The Inland Empire
RPM Mortgage recently announced the roll out of a program designed to help San Bernardino/Riverside homebuyers achieve home ownership through this down payment assistance program…CHF Platinum Program. This program is designed to assist low to moderate income home buyers with the purchase of a ...
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Should I Trust Zillow/Trulia In Determining A Homes Value
Do you want to get frustrated, look up the value of your home on Zillow...then Trulia or any other home value provider. San Bernardino and Riverside residents who would like to know the value of their house or the one they are looking to purchase, have generally relied upon websites like these t ...
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Should Inland Empire Residents Rent or Buy A Home
RPM's Chief Strategy Officer, Barry Habib Discusses Renting Versus Buying On Fox News
Buying a home versus renting is a big decision that takes careful consideration for Inland Empire residents.
While there are several biased sources that can make arguments for or against owning a home ...
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Home Purchases After A Bankruptcy-Foreclosure-Short Sale
Purchasing a home for Inland Empire residents after a bankruptcy, foreclosure or short sale can be a very frustrating. The experience a first time home buyer and previous home owners can depend on how prepared they are in providing all the necessary documentation.
The rule of thumb on thi ...
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FHA Home Loan Payments Will Increase
Inland Empire home buyers who will be using FHA financing just got hit with another blow from HUD. With yesterday’s announcement; beginning April 18, 2011, the Annual Mortgage Insurance Premiums charged by FHA will increase 25 basis points. Just last year on April 4, 2010, HUD increased the mo ...
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Are Inland Empire Home Loan Rates Increasing?
After more than 8 days of negative or no movement by mortgage backed securities, Inland Empire home buyers may have gotten a reprieve from the sliding away interest rates. This morning, MBS opened with some positive movement.
At the end of another volatile day yesterday, mortgage rates finished a ...
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How Inland Empire First Time Home Buyers With No Credit Can Establish New Credit
First Time Home Buyer...No Credit-No Problem
If this is your first time viewing this page and you really want to improve your credit scores; How Can Inland Empire Home Buyers Increase Credit Scores should be your starting point with this video ser ...
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How Inland Empire Residents Maintain and Avoid Mistakes Concerning Credit
Great Credit Scores Need Regular Maintenance and Avoidance of Mistakes
If this is your first time viewing this page and you really want to improve your credit scores; How Can Inland Empire Home Buyers Increase Credit Scores should be your starting ...
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How to Dispute and Establish New Trade-Lines To Your Credit Report
Ten Tips on Disputing Incorrect Information From Your Credit Report and What Your Credit Should Look Like
If this is your first time viewing this page and you really want to improve your credit scores; How Can Inland Empire Home Buyers Increase Credit Scores should be your starting point with thi ...
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How To Create An Action Plan To Improve Credit Scores
Congratulations on taking the first step in improving your credit worthiness.
If this is your first time viewing this page and you really want to improve your credit scores; How Can Inland Empire Home Buyers Increase Credit Scores should be your starting point with this video series.
Hopefully ...
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How Can Inland Empire Home Buyers Increase Credit Scores
I'm sure it's no surprise to home buyers that today's economy has produced a hostile credit environment, and credit has become a major concern for all consumers in the Inland Empire. This is why I am even more committed to helping you take control of your financial future, so that not only do you qu ...
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How Important Is Accurate Information During An Inland Empire Home Purchase
With E-mail, voice-mail, mobile phones, text messaging and so many other avenues an Inland Empire real estate professional has at their finger tips; one would wonder how a near critical error can happen in the eleventh hour of a real estate transa ...
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Mark Estermyer is a Senior Loan Officer with over 14 years experience in the Inland Empire Mortgage.... View My Blog Posts
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