Making That Tough Decision

Should you go with a 30 or 15 year fixed rate?

Kevin O'Connor

Loan Officer Kevin O’Connor
JB Mortgage Capital, Inc.
CA BRE #01499872 – NMLS #247447

January 27, 2020

Every day hundreds (if not thousands) of people throughout California try to determine which loan term is better for them. A 30 year fixed rate term that has a lower monthly payment or a 15 year fixed rate term that pays the home loan down faster. Here are some simple suggestions and ways to look at that might help you decided which term is . . .

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Mortgage Rates January 2020

We're finally here!

Kevin O'Connor

Loan Officer Kevin O’Connor
JB Mortgage Capital, Inc.
CA BRE #01499872 – NMLS #247447

January 07, 2020

Since Thanksgiving there's been this build up to a new decade and now that we're here it's time to refocus and welcome the new year with a bang. No pun intended but that's exactly what happened when news outlets reported that the United States a killed an Iranian General.

What does that have to do with mortgage rates? Nothing in the . . .

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Happy New Year Mortgage Industry

And everyone else too!

Kevin O'Connor

Loan Officer Kevin O’Connor
JB Mortgage Capital, Inc.
CA BRE #01499872 – NMLS #247447

December 31, 2019

Thank you to everyone I work with for another great year and most importantly thank you to my clients. I have been a Loan Officer for 15 years and it's been an honor to work on your behalf. Sometimes the process is bumpy and I always appreciate the patience you exhibit.

I look forward to being your Loan Officer for many more years to . . .

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The Importance Of Credit

For mortgages, understanding your credit history is a priority

Kevin O'Connor

Loan Officer Kevin O’Connor
JB Mortgage Capital, Inc.
CA BRE #01499872 – NMLS #247447

December 29, 2019

If someone were to say "______" is the most important thing when applying for a mortgage that wouldn't be telling the complete truth. The fact is there are many factors involved when underwriting is deciding if a loan application is approved or turned down.

There are probably three areas that are more important than others however there . . .

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Post Christmas Mortgage Rates

Kevin O'Connor

Loan Officer Kevin O’Connor
JB Mortgage Capital, Inc.
CA BRE #01499872 – NMLS #247447

December 26, 2019

Just because it's the biggest family holiday of the year doesn't mean people don't want to apply for a mortgage right? The truth is application volume for both purchase and refinance transactions drops significantly between December 24th - January 2nd but there are people who do find that special home and need to get their application going.

. . .

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Consumer Mortgage Information

Kevin O'Connor

Loan Officer Kevin O’Connor
JB Mortgage Capital, Inc.
CA BRE #01499872 – NMLS #247447

December 23, 2019

First post!

Excited to start my new blog at silvrback and looking forward to some new opportunities to share important consumer mortgage information. A quick introduction; I'm a licensed Mortgage Loan Originator (MLO - nmls #247447) with 15 years of experience. I work with clients throughout the state of California and offer a unique . . .

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