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May 26, 2016

Newer, Better, Faster, JUMBO LOANS. $630k - $2.5 Million

On 6/1/16 a new shipment will be arriving in Placentia, a JUMBO shipment. Say hello to SO EZ JUMBO loans. Our rates will be so low on Jumbo Loans that I personally challenge you to supply us with a better Loan Estimate for 0 points and 0 fees and we will pay you $250.00.
Preferred Jumbo loan amounts 1 Million - 2 Million for best pricing.

May 25, 2016

Rates Are So Unbelievable

So many clients say that our rates are unbelievable! So...... we launched a new address.....

Jumbo Reverse Mortgage Loans Now Available with So EZ Mortgage!

Orange, Calif. (May 25, 2016) So EZ Mortgage has released its jumbo reverse mortgage loan, called the So EZ Advantage for the entire state of California. With So EZ Advantage, California homeowners may obtain reverse mortgages through So EZ on properties valued at up to $6 million, versus the FHA loan limit of $625,500 associated with a traditional Home Equity Conversion Mortgage (HECM) loan.
Like a HECM reverse mortgage, So EZ Advantage is designed for borrowers age 62 or older to convert a portion of their home equity into cash to help them retire comfortably. With So EZ Advantage, owners of higher value homes now have the opportunity to borrow up to $3 million in loan proceeds—a significantly greater amount than offered through a traditional HECM loan. With the So EZ Advantage, borrowers are not required to pay mortgage insurance premiums that are charged with a government-insured reverse mortgage.
This loan is not only to owners of property types eligible for a HECM loan, but also to owners of Ginnie Mae-approved condominiums, expanding the potential market for reverse mortgage in California.
SO EZ Mortgage holds a 5 star rating by every site that a client has left a review. We have a 100% customer satisfaction rating and we believe in integrity first.

Call me, Michael Hansen with So EZ Mortgage, right now to find out how much you can access without running your credit. 

May 18, 2016

Millennials expect their parents to help them buy houses

Buying a house is generally considered a sign of financial independence, but apparently most young people want help. Even though 58% of first-time homebuyers aged 18 to 34 think buying a house is an adult-like accomplishment, 66% expect some sort of help from parents, according to a recent report from Bank of America.
You might be thinking, “Ugh. Millennials.” In some ways, that’s a fair reaction. Some people expecting financial assistance from their parents when buying a home may also fit the stereotype that millennials are entitled, bad savers and generally irresponsible with money. At the same time, assistance with a down payment isn’t all that uncommon.
A bit more about the data from Bank of America: That 66% expecting help from their parents aren’t just talking about cash. Of that group, 36% expect help moving in; 25% predict they’ll get help selecting a home; 19% anticipate money for the down payment; 19% expect parents to help furnish their home and 15% will turn to parents for help with monthly mortgage payments.
These stats are based on a survey of 801 people — 376 of whom were part of a greater nationally representative group of adults surveyed for the report; researchers surveyed an additional 425 millennials. (The margin of error for the national millennial group is plus or minus 3.5% and plus or minus 5.7% for the millennial-only sample.)Whether these people are entitled for expecting help is a matter of opinion. It’s no surprise this group of house hunters needs assistance, given their student loan debt and the growing disconnect between home values and salaries. If you want to avoid private mortgage insurance, you’ll need a 20% down payment, which can easily exceed $60,000 at today’s current prices. (The median home sale price in February was $301,400, according to latest data from the Federal Reserve Bank of St. Louis.)
Whether you’re looking for your first home or fourth — and whether or not your parents are assisting — you’ll need a good credit score to get approved for a mortgage. You can see where your credit stands by viewing your two free credit scores every 30 days on
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