I have been in lending since 1991 working with California home buyers and homeowners.
I really enjoy working with first time home buyers wanting to purchase a home. These days it is still easy to get a loan with little down payment. We offer FHA loans which only require 3.5% down payment. Credit wise we are forgiving and can help people purchase homes with credit scores of 620 and above.
Recently I have talked to lots of homeowners about their home going up in value and having the ability to get rid of their Mortgage Insurance (PMI / MI). Just having simple answers to their questions has helped them to understand the many options they have even though current rates may be higher they can still save money.
Ask me any finance related questions you may have. I am here to help give advice.