Do you like the image? Can you relate?

We couldn’t have said it better than this:

Mortgage Rates and Why I Don't Post Them: Why don't I post rates? Because I don't like to lie to people. I can no more predict what your rate will be without having any information than untrained monkeys can drive semi trucks. Your rate depends on your credit score, the loan to value on the property, your loan intent (purchase, refinance, cash out refinance) and how much risk you're willing to tolerate. So I've learned not to even discuss rates or payments until I know those facts.

Here is a well written article for those thinking of selling their home:

Preparing to Sell: Part I: Just a couple of years ago when the market was red hot, a seller could put a dog house on a 10 square foot lot on the market and it would attract multiple contracts in a matter of hours. Not so today. Buyers simply have too much to chose from. If your home is not in tip-top shape, ready for a buyer move in, you simply will not sell. Unless, of course, you make it a bargain. Even then, many buyers just don't want the headache of having to do spruce up work themselves. Here's what I see in many homes we examine before taking a listing:

These next two are for those of us that avoid the fine print

Protecting your credit and privacy – I wanted to shed a little insight on what I think are some very disturbing practices that credit providers are engaging in to make additional money at your expense. 

Two offers to refi in one day…just how lucky can a gal be? – In our mail today, we received two very attractive offers to refinance our current mortgage.   Wow, how exciting!  Here are the details:

Do you ever have the feeling that you can’t swing a dead cat without hitting a real estate agent? Here’s why:

1 in 50 Now an Licensed Agent In California, Will the Madness Never End? – An interesting phenomemon is occuring in California. With sales slowing and the market soft, you would expect the numbers to start to shrink. From roughly 495,000 licensees (brokers and agents), or 1 in 52 adults in the state, the number is now exclipsing 532,000.