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The Home Financing Crisis & What You Need to Know - Carmel Mortgage

Anyone following the financial news over the last couple of months or so has seen a lot of angst and fear over the state of the mortgage industry. It appears that the major damage is subsiding.

Many local branches and mortgage companies have been injured as business has slowed, and some even had to buy back loans that should not have been funded in the first place. Carmel Mortgage prides itself on only doing legitimate loans that are can be clearly afforded by the buyer.

Cheryl Whitworth-McVicar, President and CEO, states that "Carmel Mortgage remains a credible, stable, local mortgage company, now in its 27th year of business and we have not been negatively affected by the downfall of major lenders and defaulting loans".

"The present situation will settle out over this coming year as these things always do. Remaining national lenders are beginning to reintroduce some loan products that had been pulled away, and the rates on products that have significantly increased are trending back down".

Whitworth goes on to say "Carmel Mortgage has justt hired 4 new loan officers. Also, the current market in Monterey County is actually excellent for conforming loans (currently loans at or below $417,000), and the rates are back near historical lows. We want to assure buyers and those wishing to refinance, that despite what is being said on the news and in the papers, there are premium quality loans available for all qualified borrowers, 100% financing still exists with Carmel Mortgage.

About: Carmel Mortgage specializes in Monterey County and is licensed to do loans in all of California. They offer two office locations, Carmel Mortgage in Carmel and Carmel Mortgage in Salinas. You can visit their website to learn more, meet their loan officers, see today's rates, and apply online here: http://www.carmel-mortgage.com or call them directly at 831-625-3939.

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