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California Home Mortgage Lenders Help You Help Yourself

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  • Rony Walker
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    Message 1 of 1 , May 31, 2007
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      Please consider this free-reprint article written by:
      Rony Walker

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      Article Title: California Home Mortgage Lenders Help You Help
      Author: Rony Walker
      Word Count: 619
      Article URL: http://www.isnare.com/?aid=155757&ca=Real+Estate
      Format: 64cpl
      Contact The Author: http://www.isnare.com/eta.php?aid=155757

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      ================== ARTICLE START ==================
      Have you been California dreaming? Maybe you see yourself up on
      the big screen, and your footprints set along the Hollywood Walk
      of Fame. Perhaps you picture yourself catching waves or a tan at
      a fabulous Malibu beach. California seems to have it all:
      year-long mild temperatures, palm trees, and a laidback
      lifestyle. With the help of California home mortgage lenders,
      though, you won't have to settle for California dreamin' for
      long. You, too, can live that California dream in your own

      Bad News before the Good

      In recent years, the Golden State's cost of living has steadily
      increased, with San Diego and Los Angeles becoming some of the
      most expensive U.S. cities to reside in. So many Californians
      have packed up and relocated to other states. Not all of the
      news is bad, however. California has the largest Gross State
      Product, or GSP, in the entire United States. Also, the Golden
      State has several regions, including Silicon Valley, Napa
      Valley, and Hollywood, which are vital to the nation's economy.
      Moreover, the state's average personal income ranks in the top
      quarter of the country. In fact, the housing industry is alive
      and kicking in California. In 2005, it accounted for nearly $70
      billion and 490,000 jobs state-wide.

      Cooling Off, California-Style

      Experts believe the housing market around the country has
      started to cool. That trend can be observed in Southern
      California, where more homeowners are pursuing "mortgage debt
      forgiveness." This happens when home prices drop and the
      property's value is less than the mortgage debt. These "short
      sales" are used to avoid home mortgage foreclosure. Foreclosure
      occurs when California home mortgage lenders must sell your home
      due to your failure to comply with the mortgage agreement. Note,
      however, that the growing use of "short sales" should not scare
      you from contacting California home mortgage lenders about a
      loan. A "short sale" can put you in charge if you ever need to
      cut your losses.

      Numbers, Numbers, Numbers

      Before doing business with California home mortgage lenders,
      you should first look up the rates and Annual Percentage Rates,
      or APRs, of various California mortgages. Put yourself in the
      driver's seat by filling out a short form to get the mortgage
      rates of several California home mortgage lenders. Some popular
      types of mortgages in California include the 30-year fixed,
      5-year interest-only mortgage and the interest-only, 30-year
      fixed mortgage.

      Let the Directory Direct You

      Use a mortgage directory to get the mortgage rates of hundreds
      of companies. After finding the company with the perfect fit
      for your mortgage needs, give the company a ring. A ring will
      put you well on the way to making your dream a reality.

      When Enough Is Enough

      An issue that you must determine after contacting a California
      home mortgage lender is how large of a mortgage you should take
      out. Although California's housing market is cooling, it is not
      completely ice-cold. Banks consider how much of a mortgage is
      within your budget, so you should think about this before
      borrowing as much as you want. Several online companies provide
      a mortgage calculator, so you don't have to pluck figures out of
      thin air. Based on how large your loan is and its interest rate,
      the calculator determines the monthly payment you'll have to
      make to a California home mortgage lender.

      Truly, with California home mortgage lenders at your beck and
      call, there's no reason for you not to be living the California
      dream. With the right loan, you can live large and live in
      leisure in California.

      About The Author: Looking for California home mortgage lenders
      ( http://www.whataboutloans.com/mortgage/mortgage-lender.html
      )? Visit our site today for resources about mortgage quote (
      http://www.whataboutloans.com ) or a mortgage quoter (
      http://www.whataboutloans.com/mortgage/mortgage-quoter.html ).

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      ================== ARTICLE END ==================

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