Monthly Newsletter April 2017

Bay Equity Home Loans Newsletter
0 Michelle Morris
Senior Loan Officer
NMLS# 264030
Direct: 619-850-3600
Fax: 619-489-5738
mmorris@bayeq.com
www.bayeq.com/michelle-morris
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Barbara Maguire
Realtor
CalBRE #: 01903537
16915 Avenida de Acacias P.O. Box 1023
Rancho Santa Fe, CA 92067
Cell: 858-242-9456
Office: 858-756-4932 
barbara.maguire@sothebysrealty.com
sothebysrealty.com
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Bay Equity Home Loans Newsletter
Avoiding buyer’s remorse
Bay Equity Home Loans Newsletter
American homeownership is about building the dream – wealth, family and a lifetime of memories. 

But a recent survey showed nearly 3 in 5 of the youngest homeowners had some remorse about their buying experiences. 

Bay Equity Home Loans Newsletter
In Debt and Afraid
Bay Equity Home Loans Newsletter
Seventy million American have had at least one debt that went into collections. 

By their nature, collection agencies are aggressive, providing the sort of dogged pursuit their client businesses may be too polite to take. 

However, the collections industry is strictly regulated by Federal Law to protect consumers from undue harassment or intimidation. 

Bay Equity Home Loans Newsletter
Unmarried couples sign “cohabitation agreements”
Bay Equity Home Loans Newsletter
Many couples aren’t waiting for the bonds of matrimony before entering another legal partnership with monumental responsibilities – the home mortgage. 

According to Zillow, 15 percent of unmarried couples between the ages of 24 and 35 are purchasing homes together, up from 11 percent in 2005. 

Bay Equity Home Loans Newsletter
Falling for Niagara
Bay Equity Home Loans Newsletter
Niagara Falls is the collective name for three waterfalls that straddle the international border between Canada and the U.S. 

Famous for tourism and recreation, the powerful falls are also a magnet for daredevils performing stunts, jumps and dangerous crossings. 

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Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 28 Liberty Ship Way Suite 2800, Sausalito, CA 94965; NMLS ID#76988. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- #4150077. click here: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988

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