home buying

The Home Renovations With The Highest Return On Investment

return on investment is one of the most important considerations you can make when doing home renovations

Over the course of time, owning a home will often lead to different wants and needs for a house.  Sometimes this leads to a move, and sometimes, renovations are a better alternative.  While some renovations are driven by personal preference and style, it’s important to consider the return on investment (ROI) when planning major home renovations.…

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CalHFA Dream for All is here!

CalHFA Dream for All down payment assistance program

MasonMac has rolled out a solution to help first time home buyers in California achieve the dream of home ownership.  With the Dream for All program, CalHFA will offer qualifying first time home buyers up to 20% of a home purchase price toward down payment and closing costs in the form of a shared appreciation…

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Trigger Leads – What Are They & What You Can Do

Trigger leads are generated when lenders buy your data from the credit bureaus, then the calls begin...

Do Credit Bureaus Sell Your Information – Trigger Leads   Have you ever had your credit report pulled when applying for a loan, only to be swarmed with calls from creditors trying to sell services or offer loans?  This isn’t a coincidence, and is one of the most annoying aspects of applying for credit for today’s…

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Is It a Good Time to Buy a House?

Is it a Good Time to Buy a House

Is It a Good Time to Buy a House?   This question is one of the most common questions we see from consumers, investors, real estate agents, and many others with interest in the real estate market.  The answer is ‘yes’.  But it also depends on your specific situation, what’s important to you, and where…

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2023 Conventional Loan Limits

conventional loan limits for 2023

The Federal Housing Finance Agency (FHFA) has released the loan limits for 2023.  With this announcement, FHFA has effectively raised the limit on how many dollars can be borrowed using Fannie Mae & Freddie Mac Conventional loan products.  The loan limits increased across the nation, with variances in the increases for “high cost areas”, and…

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What Is a Mortgage Rate Lock?

A mortgage rate lock offers protection in a rising interest rate environment

What is a Mortgage Rate Lock? A mortgage rate lock allows customers in need of mortgage financing to “lock” in their interest rate.  This is an important feature of mortgages because the markets that influence mortgage rates (Mortgage backed securities, or MBS) trade each day and in certain markets can be very volatile.  Rates can…

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MasonMac’s Lock & Shop Loan Program

MasonMac's Lock & Shop mortgage allows home buyers to search for a home with interest rate protection in place.

In a volatile interest rate market, one of the most stressful parts of home buying can be trying to find the perfect home while trying to keep track of rates, payments, and affordability.  In a relatively calm market, it may not be a big deal, but in 2022, when rates have moved upward faster than any time…

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How Do Renovation Loans Work

Renovation Mortgage

Renovation loans, or renovation mortgages, can be a great way for home buyers to find a house and turn it into their dream home.  It can also be a great way for home owners to stay in a home they love while making the updates that they want or need.  Renovation loans can be used…

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Will Inflation Go Down?

Broken piggy bank with band aid bandage or plaster finance background

Will Inflation Go Down?   There’s a lot of economic jargon being tossed around in headlines these days, and one of the hot topics out there is inflation.  To start, it’s important to understand what inflation is.  When the value of a currency diminishes, the result is inflation – basically, you get less for the…

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What is a Rent Back?

Can a rent back help me get an offer accepted

What is a Rent Back? In today’s housing market inventory is low and buyer demand is high.  In such a market, many buyers need to get creative in structuring their offer on a home, and many sellers (future buyers) need to consider the fact that they, too, will soon encounter the same challenges that buyers…

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Mason-McDuffie Mortgage

12647 Alcosta Boulevard
Suite 300
San Ramon CA. 94583

Phone: 925-242-4400
Fax: 866-743-0260
Toll-Free: 877-275-6662
info@masonmac.com

Questions about your payment? Please call 866.671.9519 or email servicing@masonmac.com

Licensing

Licensed by The Department of Financial Protection and Innovation
under the California Residential Mortgage Lending Act. NMLS# 1141
NMLS Consumer Access Site

Not  a  commitment  to  lend. Rates  and  terms  subject  to  change  without  notice. Licensed by The Department of Financial Protection and Innovation under  the  California  Residential  Mortgage Act  No. 4130968; AL  #22653; AR  #32700; Colorado regulated by the Division of Real Estate; DE #019623; FL #MLD819; Georgia Residential Mortgage Licensee #20924; ID #MBL-5861; Kansas Licensed Mortgage Company #MC.0025601; KY: #MC701698; MD: #16927; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the NJ Department of Banking and Insurance; NC: L-152867; NV: #3681; OK: #ML012358; Licensed by the Oregon Division of Financial Regulation #ML-3808; PA: #37008; TN: #112513; Licensed by the Virginia State Corporation Commission #MC-5579, WV: #ML-31523/MB31759, WY: #3964. NMLS #1141. www.nmlsconsumeraccess.org

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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