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  • We Close Loans in 20 Days
  • 2025 Holidays Schedules that Delay COEs
  • Interest Rate Corner
    • Interest Rate Quote
    • News Events that Influence Rates
    • Which Borrowers Get the Best Rates
    • These Loan Factors Determine a Borrower’s Rate
  • 2023 Loan Limits
  • Loan Programs
    • “Interest Rate “Buy-Downs” Lenders Newest Gimmick
    • Stated Income – 2nd Trust Deeds Up to CLTV 65%
    • EZ Qual 10% Down – Only 1 yr. Tax Return for Self Employed Buyers/Borrowers
    • High Debt Ratio and Lower Fico FHA & VA Loans
    • FHA and VA Streamline Loans
    • FHA’s Obscure “100 Mile Rule”
    • Why Hard Money Loans Rarely Close
    • What Are Construction Loans and How Do They Work?
    • Agent’s Lending Referrals- “3 Cards” Are Not Required”
  • First Time Buyers
    • Buying vs. Renting: 56 Pros and Cons
    • Closing Cost Credits Are Back! Creating a “Win Win”
    • Using Co-Signers to Buy a Home
    • Using Gift Money to Qualify for a Home Loan
    • Survey Highlights “Stigmas” Against Renters
    • Realtor.com: Buyers Give up a Dream Homes for Good Schools!
    • Study: Renters More Financially Stressed Than Homeowners
    • Calif. Renters More Likely to Leave Than Owners
    • Urban Institute Study: Highlights Financial Impact of Delayed Homeownership
    • Homeownership Remains Strongly Linked to Wealth-Building
  • Credit Corner
    • CFPB: Credit Bureaus Have Quit Responding to Many Consumer Disputes in 2022
    • CFPB: Top Debt Collection Questions Answered
    • New Calif. Financial Protection Law Goes into Effect
    • These FICO Myths are Killing Credit Scores!
    • Divorce: How it Affects Mortgages and Real Estate
    • Debt parking,’ an Illegal Trick from Debt Collectors
    • Buying a Home After Credit Meltdown, Bankruptcy or Short Sale
    • BK / Short Sale / Foreclosure Wait Times
  • VA Corner
    • The Nuts and Bolts of a VA Offer
    • 2023 USMC Golf Tournament
    • Veterans Support Groups
    • Home-Improvement Grants for Vets & Low Income Homeowners
    • Light a Green Light “for a Vet”..to Honor Heroes!
  • R.E. Agent Corner
    • Outsource a “TC” or Hire One “In-House”
    • Eliminating Multiple “Cross-Quals” for Your Buyer’s Next Offer!
    • Using Loan Officers to Screen Buyers & Close Deals
  • Agent Sales Tips
    • Podcast: Jump Start Your Marketing … (24 minutes)
    • Working with Self Employed Buyers!
    • Overcoming “We Won’t List – Until We Find a Home”
    • 5 Myths About R.E. Agents and My Debunking Strategies
    • Inman: Defusing Tense Arguments with Clients
    • Inman: 7 Tips for EZ Lead Follow Up!
    • Inman: Making Sure Your Client Never Calls Another Agent
    • 11 Negotiation Points that are Killing Your Deals!
    • Your Friend Chose Another Agent— Now What?
    • 77 R.E. “One-Liners” to Motivate Clients!
    • 21 Common Objections & How to Handle Them
  • Buyers Corner Links
    • Changing FHA / VA Lenders Quickly
  • Tax Corner
    • State of California Proposition 19
    • The IRS Targets the Realtor / Lending Industry – Here’s How
    • IRS Statute of Limitations
    • Tax Ramifications of Owning Invest. Props!
  • Environmental Studies
    • UCLA: Freeway Pollution Travels Farther Than Thought. How to Protect Yourself
    • Risks of Wildfire Smoke? Toxic Living Microbes
    • Inman: 5 ways Calif. Fires Will Change the Face of R.E.
  • Event Marketing
    • 25 Holiday Marketing Ideas For Real Estate Agents
    • Community Marketing – Agent Starts Pet Adoption Center
    • Inman: 8 Dos & Don’ts for 4th of July Marketing
    • 24 Fourth of July Marketing Ideas
    • Hosting & Marketing a Mobile Shredding Event!
    • 3 “Turkey Day Hacks” Agents Can Pull Off!
  • Legal Corner
    • Falsifying “Owner Occupancy” Status Gets New Criminal Scrutiny
    • FBI: Housing Fraud – What We Investigate!
    • First Am: Launches “AI” Platform to Detect Loan Fraud
    • SoCal Counties Provide Deed and Housing Fraud Protections
    • Fraud Detection with FraudGuard
    • Buyers Committing Fraud-Here’s Their Tactics!
    • Title Companies and RESPA Violations
  • Social Media Marketing
    • The Myths of Buying “Online Real Estate Leads”
    • 14 Tips for Boosting Online Reviews
    • Becoming a Blogger – It’s Easier Than You Think!
    • 11 Rules to Avoid Social Media Trouble
    • Inman: 10 Instagram Hacks Agents Need to Know!
  • Renter Marketing
    • “Verbal Hints” of Renters Thinking about Buying a Home
    • Inman: Having a “Millennial-First’ Marketing Strateg”
    • Getting Self-Employed Buyers Ready for 2024
    • Renters Profiles
    • Are Your Buyers Serious? Or Just Working You?
  • Seller Marketing
    • Overpriced listing? Persuading Clients to Drop the Price!
    • 9 Ways to Avoid a Real Estate ‘Commissionectomy’
    • Combating 5 Lies Agents Tell to Win Listings
    • Defending Your Commission: 7 Things NOT to Say
    • 11 Reasons “By Owner” is a Bad Idea!
    • Inman: 5 Pricing Myths Sellers Believe
  • Housing Studies
    • Calif: Home Prices Drive Migration Trends
    • Nat. Report: Puts Cal Housing Shortage in Perspective
    • U.S. Housing Stock is Aging; Here’s Why!
    • Inman: 7 Senior Housing Options Agents Need to Know!
    • Why Homeowners Retire (& Sell) Early!
  • Vendor Links
    • Simple Tech Services
    • Duane Gomer Education
    • Loangevity Mortgage
  • Agents – Should You Change Brokers?
    • Inman: Exiting Your Broker Without Burning Bridges
    • 8 “Q & A”s Before Meeting a R.E. Recruiter
    • Independent vs. Franchise: Which Brokerage Model is Best for You?
    • Signs It’s Time to Leave Your Team
    • Changing Brokerages? 15 Key Points of a R.E. Employment Contract!
    • Want to Switch Brokerages? Ask Yourself 7 Questions First!
    • Protecting Your Brand From Other Agents and Brokerage!
  • Mortgage Calculator
  • Condo Corner
    • Freddie Streamlines Condo Approvals for Buyers
    • 11 Condo/Townhome Deal Killers
    • Condo “Contents” Insurance Coverage
    • Condo and HOA Certification Steps
  • Investor Corner
    • Investor Calculator
    • How to Speak “Investor Speak” with Your Clients
    • 10 Tips for Clients Buying a Rental “Coach Em Up” Before They Run You Around
  • Crypto/Digital Corner
    • Can We Use Crypto to Buy a Home? No!
  • Home Inspection Corner
    • Lender Rules for Termite Inspections and Repairs
    • Regs for “Garage Conversions & Un-Permitted Additions”
    • 15 Buyer’s Reasons Why “That’s a Dealbreaker”
    • Inman: Home Inspections – 7 Tips for Negotiating! Repairs
    • Stop Inspections from Killing Deals!
    • Inman: 7 Reasons Pre-Listing Inspections are a Must
    • Regs for “Garage Conversions & Un-Permitted Additions”
  • Insurance Corner
    • Fine Print & FAQs Homeowners Insurance Coverage?
  • Community Marketing
    • Rainwater Harvesting: An Agents Guide for Market Visibility
  • New Home Construction
    • Cali Closes ‘Pay-to-Play” Loophole for Local Officials/Builders
    • New YIMBY Housing Laws are Coming to a City Near You!
    • New “Micro Grid Energy Tech” Changes Home Construction
    • The Tradeoffs of Buying New Home Construction
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Duane Gomer EducationDaniel Dobbs2022-01-23T06:25:54-08:00

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Daniel Dobbs
Managing Broker
Mutual Home Mortgage
3040 Saturn St #105 Brea, Ca 92821
Cell: 949 250-3981 Office Fax 949-424-0728
Dandobbs6@gmail.com

NMLS #307631
BRE #00986886

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