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My Mission:
To treat and educate my clients with the respect and fairness they deserve in a timely manner.
Which option is best for you?
Fixed rate, adjustable rate, FHA CalHFA or a loan modification and what is this 203k Streamline loan I've been hearing about work?
Use my trusted 16 years of experience as a loan professional as your guide. I've created this site with you in mind by sharing my knowledge to empower you to make sound decisions when it comes to obtaining a real estate loan. Read thru the topics to the left on the main menu that interest or pertain to you, and use the mortgage calculators too!
I will help you navigate around each corner and curve of the loan process and make sure that you understand each step, and more importantly give you options to choose from.
To prequalify for a real estate loan, CLICK HERE
Kevin Walton
Certified Mortgage Advisor
Cell: 805-276-1942
Or just go to the main menu to the blue "loan type" tabs and click on each topic to learn more.
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| FHA 203k Streamline free video and booklet below! |
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FHA 203k Streamline Video
click below to watch
FHA 203k Streamline Booklet
click below to view the booklet
Call the 24/7 hotline,800-506-0632 ext. 2, for more information or to speak with me directly, call 805-276-1942.
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 Mortgage News Daily
Mortgage Rates Escape Three Treasury Auctions Unharmed - 3 hours ago
Posted To: Mortgage Rate WatchAfter two dataless days and no movement in mortgage rates, action picked up yesterday. Mortgage rates opened the day lower, however, thanks to big turnout at the 10 year Treasury note auction, enchmark yields rallied and mortgage-backed security prices moved higher into the close. We sat and waited for lenders to reprice, disappointingly they never did. This isn't a surprise though, lenders are quick to take away rate sheet pricing when MBS prices are falling but really slow to pass along improvements when MBS prices are on the rise. We had a couple of scheduled economic reports that were released early enough to sway the direction of mortgage rates today. First we got Weekly Jobless Claims from the Department of Labor. This report provides three measures on the health of the labor market...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Foreclosure Filings Drop. Prevention Policies Distorting Supply and Demand - 4 hours ago
Posted To: MND NewsWireToday RealtyTrac® released its February U.S. Foreclosure Market Report. The RealtyTrac report shows that foreclosure filings, which include default notices, scheduled auctions, and bank repossessions declined 2 percent from January. A total of 308,524 properties in the United States received one of the listed notices during the month. This equates to 1 house in every 418 units. Compare that to January's ratio of 1 in every 409. That works out to a 10% month over month improvement. However, when comparing data from one year ago (Feb 2009), the ratio is still 6% worse. James J. Saccacio, chief executive officer of RealtyTrac says, "The 6 percent year-over-year increase we saw in February was the smallest annual increase we've seen since January 2006 , when we began calculating...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
MBS CLOSE: On The Brink Of Something Epic? - 4 hours ago
Posted To: MBS CommentaryMBS end 1 tick down at 100-29 10yr Note Yield at 3.725 S&P up 5 points, all gains late in the day 30yr Auction pressures rates early and helps out late This one's a good read, and a tangible concept to share with clients and business partners Something Epic? Let's not get too carried away... After all, we've been here plenty of times before only for the much anticipated turning point to send markets sideways--merely prolonging the "waiting for guidance." But where exactly is "here?" And why is it more epic than every other day that bonds end the day "honing in" (trading in a narrowing orbit AROUND a certain price) on key technical levels? Fortunately, the 2 day chart contains a good example of something we see fairly often, which is prices or yields...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
MBS AFTERNOON: Volatility Fades As Bonds Cling To The Edge - 6 hours ago
Posted To: MBS CommentaryThe Edge: Both MBS 4.5's and 10yr notes are UNCHANGED at the moment For MBS, that's 100-30 and for the 10yr, that's just under 3.73 Verdict on this auction cycle: undecided... waiting for retail sales tomorrow and FOMC next week The snake continues to coil, but who will it strike? When we reference the snake, that would be a chart with with converging/competing trends in a "triangle" shape. Since the line on such charts is usually predisposed to move directionally after it breaks out of the triangle. In this sense, it's like a "coiling snake" preparing to strike out in one direction or the other. As we are still in the middle of this triangle, there's no clear indication of which direction rates want to move of their own accord. With retail sales coming...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
FHA Commissioner: Raising the Down Payment Requirement Would Hurt Housing Recovery - 7 hours ago
Posted To: MND NewsWireIncreasing the minimum down payment required for a Federal Housing Administration (FHA) loan from 3.5 percent to 5 percent could be a double whammy, affecting both potential homebuyers and the economy as a whole according to David H. Stevens, FHA Commissioner. At the same time, a lower loan to value ratio (LTV) by itself is not a particularly good indicator of buyer risk. In a statement prepared for a hearing Thursday afternoon by the House Financial Services Subcommittee on Housing and Community Opportunity, the Commissioner said if the agency raised the minimum down payment to 5 percent "as some have suggested," it would adversely impact the housing market recovery. The agency has conducted an evaluation of the loan files of a large sample of recent loans to identify homeowners...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it. |
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 Catalyst Lending Inc. - 226 Sandberg St - Thousand Oaks, CA 91360 Office Phone: (805) 276-1942 Fax: 800-506-0632 Cell Phone: 805-276-1942
Catalyst Lending Inc.
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