With the holidays behind us, conventional 30 year rates are now in the low 3’s with the anticipation of moving higher in the near future. The Fed made promises to raise rates at least 3 times in 2022.  15 year terms are still in the 2’s.  
 

“This is an opportune time to consider using equity to pay off any more pressing debt while rates are still in the 3’s. “

Who should act fast on the low rates…

Property values are estimated to rise 16% in the Sacramento, Placer and El Dorado counties  in 2022.  Home equity is at an all time high in most areas.   

This is an opportune time to consider using equity to pay off any more pressing debt while rates are still in the 3’s.  Also, if you haven’t refinanced yet and your interest rate is above 4%, right now may be one of the last opportunities to lock in a favorable lower interest rate or decrease the term of your current loan at a low rate.  

Complex financials?  No problem…

If your financial situation is complex, I do like and welcome challenges! 

I have the expertise and patience to evaluate unique financial scenarios that other lenders simply won’t touch.  While some lenders don’t take the time or attention to deal with challenging underwriting scenarios, I have helped (and enjoy helping) many clients in these types of unique lending situations.
 

Need help resolving a credit issue?

If you have credit issues, but don’t know where to begin, give me a call.  I am a great listener and problem solver. 

I can guide you through specific, do-able steps to resolve complex or simple credit concerns.  I also partner with one of the best credit repair companies in the United States located in Roseville.  

You’d be surprised how quickly a credit score can improve with the right, targeted steps.  If you would like to buy or refinance a home, you may not need to pay off collections or charge-offs.

Please call me at (916) 628-1864 or email me at db_banks@sbcglobal.net if there is anything I can help you with