WELCOME TO RIVER DAVES PLACE

Mortgage Rate Update

Tamalewagon

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Good Morning campers...Monday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

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If you have credit card debt, student loans, want to consolidate your mortgages to save $$$ or want cash out for home improvements...now is the time to do this.

Happy Taco Tuesday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
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Good Morning campers...

Wednesdays Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
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Thursday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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2022-03-10 (2).png
 

Tamalewagon

Little Buddy
Joined
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Messages
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Good Morning campers...

Friday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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Good Morning campers...Welcome back to the coal mine's Monday.

Monday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
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Tuesday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
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Good Morning campers...

Wednesdays Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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This is a great primary residence program for those of you that are self employed. Use your personal OR business bank statements to qualify for a 30 year fixed instead of your tax returns.

  • 640+ FICO, with LTVs up to 90% and no MI required
  • Loan amounts up to $3M
  • Self-employed borrowers only
  • Minimum 12 months reserve required
  • Minimum 12 months consecutive bank statements required
 

Tamalewagon

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FED MEETING RESULTS

They’ve been hinting it would happen, and it did. The Fed raised the federal funds rate by 0.25% at their March meeting. Importantly, they indicated several more increases will likely come this year.

Even though mortgage rates aren’t directly controlled by the Fed, they had already risen in anticipation of Fed action. They will probably continue this pattern in the coming months.

Background on the Fed:

  • The Federal Reserve Board (the Fed) controls the federal funds rate and discount rate, which are charges for overnight loans from bank to bank or from the Fed to member banks.
  • The rate was lowered to near zero in March 2020 in response to the pandemic.
  • This is the first increase since 2018.
What this may mean for you:

If you are planning to access cash from your home’s equity via a HELOC, I would urge you to reconsider as the FED directly impacts HELOC rates (not first mortgage rates). If you currently have a HELOC, you should strongly consider combining your first and second mortgage's as the FED is expected to raise your HELOC rate up to 8 times this year.
 

Tamalewagon

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After the prolonged inflation beating of the bond market, it looks like it is recovering a little...

Thursday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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Good Morning campers...Mortgage rates may have increased somewhat, but it is still the cheapest money available. Credit card rates are beginning to rise due to the FED increasing their rates. Debt consolidation is still a very viable solution that typically results in large monthly savings. Considering the increase in expenses we are seeing, every penny counts!

Monday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Messages
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Tuesday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

havasujeeper

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Just curious, but when the feds guarantee to raise interest rates a quarter point 6-8 more times this year, I'm wondering why your recommendation wouldn't be to lock farther out? If this isn't something you'd like to post, I'd be happy for a private conversation.
 

Tamalewagon

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Just curious, but when the feds guarantee to raise interest rates a quarter point 6-8 more times this year, I'm wondering why your recommendation wouldn't be to lock farther out? If this isn't something you'd like to post, I'd be happy for a private conversation.
To clarify, are you asking if people should be waiting to lock or lock immediately? Locking further out would imply a rate float. The information provided is tuned to immediate action i.e. impending purchase or refinance. The FED rate hikes impact HELOC's and credit card interest rates directly. They do no directly impact first mortgage rates.
 

Tamalewagon

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Happy Hump Day campers...Bonds are in positive territory this morning which means it is a good time to lock.

Wednesdays Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Happy Thirsty Thursday campers...

Thursday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
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Good Morning campers...

Friday's Rate Lock Advisory - click HERE

dumbass biden.jpg

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Messages
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Happy Monday campers!

Monday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
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Tuesday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Messages
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Happy Hump Day Campers!

Wednesdays Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
8,121
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Thursday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Messages
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Good Morning campers...Rates took a little dip yesterday and are still reflecting on this morning's rate sheets. Good time to lock before pricing deteriorates.

Friday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
8,121
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Monday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
8,121
Reaction score
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Tuesday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
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Good Morning campers...

Wednesdays Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Some good news! Most lenders have reduced their minimum qualifying credit scores to 620 for purchases and refinances. Also, self employed borrowers can now qualify with providing ONE year of tax returns instead of two.

Happy Thursday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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Happy Friday RDP land!

Friday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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Want to put cash BACK in your pocket? If you have credit card debt, student loans, want to consolidate your mortgages to save $$$ or want cash out for home improvements...now is the time to do this. You can possibly increase your monthly nut by hundreds if not thousands of dollars per month.

Good Morning campers...Monday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Messages
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Happy Taco Tuesday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Messages
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Happy Hump Day Campers!

Wednesdays Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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Need cash in hand in under 30 days? We are still closing our loans in as little as 2 weeks.

Thursday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182 office
[email protected]
 

Tamalewagon

Little Buddy
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Happy Friday campers...

Friday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Messages
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Good Morning campers...Monday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
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Happy Taco Tuesday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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Happy Desert Storm Eve Day Campers!

Wednesdays Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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For those of you lucky enough to go...Happy DS Thursday campers! To those of us sitting at home wishing we were there...Happy Hmph Thursday.

Thursday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
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Messages
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Good Morning campers...

Friday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
8,121
Reaction score
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Good Morning campers...Monday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
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Rates have rebounded for the better! We have seen two days of rate improvements. Get them while you can.

Happy Taco Tuesday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
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Wednesday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 
Last edited:

Tamalewagon

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Happy Thirsty Thursday campers...Our list of Non QM products is growing daily for investment products and we cover most states in the U.S. We also have excellent self employed qualification products as well for California residents.

Thursday's Rate Lock Advisory click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
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We made it!

Happy Friday campers...

Friday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 

Tamalewagon

Little Buddy
Joined
Sep 24, 2007
Messages
8,121
Reaction score
2,506
Monday's Rate Lock Advisory - click HERE

We offer the most aggressive VA, FHA, Conventional and JUMBO pricing for California properties and we close our loans between 14-30 days.

To get your no obligation rate quote for your purchase or refinance, call me today at 866-476-2494 or click HERE. I will have loan options available to you within 30 minutes of my receipt confirmation.

Scott Wenhe
NMLS 336862
CALBRE 1768632
619-255-3182
[email protected]
 
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