Monthly Newsletter April 2017

Bay Equity Home Loans Newsletter Michelle Morris Senior Loan Officer NMLS# 264030 Direct: 619-850-3600 Fax: 619-489-5738 mmorris@bayeq.com www.bayeq.com/michelle-morris 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 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.  Click To: Unsubscribe 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