Casafinancial's Blog

Article from bizjournals: Payroll violations soar with down economy

Casa Financial — Fri, 17 Sep 2010 15:51:14 +0000

(Joe Archambault of Equity Builders was telling me about this on Tuesday.)

Payroll violations soar with down economy Published: September 13, 2010 Cindy Mitchell, a contractor in the tile business for 20 years, had a hunch her competitors hadn’t been playing by the rules when she discovered some rival companies bid half the amount she did on recent projects. View full article Latest News» Sacramento State gets $6.6M from stimulus to increase spring enrollment » Internships Down Under establishes U.S. HQ in Sacramento » Mountain Lions game to feature Faber, Evans » William Jessup halves tuition for professional studies » More latest news Copyright (C) American City Business Journals Inc. All rights reserved.

Casa Financial — Fri, 22 Jan 2010 23:32:23 +0000

He that is of the opinion money will do everything may well be suspected of doing everything for money. -Benjamin Franklin

Casa Financial — Wed, 20 Jan 2010 22:42:27 +0000

“Money frees you from doing things you dislike. Since I dislike doing nearly everything, money is handy.” – Groucho Marx

Casa Financial — Mon, 18 Jan 2010 23:24:21 +0000

“Even if I knew that tomorrow the world would go to pieces, I would still plant my apple tree.” -Martin Luther King

Casa Financial — Thu, 14 Jan 2010 20:32:00 +0000

Obama Says Bank Fee Aimed at Recovering Rescue Money (Update1) http://bit.ly/6OCJWX, today’s news, worth reading!

Casa Financial — Wed, 13 Jan 2010 21:00:42 +0000

“Money is the opposite of the weather. Nobody talks about it, but everybody does something about it.”- Rebecca Johnson

Casa Financial — Tue, 12 Jan 2010 17:50:49 +0000

Lovin’ work today! Go-Getter Tuesdays!

Casa Financial — Mon, 11 Jan 2010 20:24:16 +0000

Doing everything in my power to ensure situations like these never happen on my watch! http://alturl.com/c82q

Brett Mills Loan Parody

Casa Financial — Wed, 06 Jan 2010 20:47:20 +0000

Oh My God..look at her LOAN, its so BIG!

Frequent Asked Questions.

Casa Financial — Thu, 10 Dec 2009 23:08:44 +0000

Q: How do I know how much house I can afford?

A: Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

Q: What is the difference between a fixed-rate loan and an adjustable-rate loan?

A: With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

Q : How is an index and margin used in an ARM?

A : An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

Q : How do I know which type of mortgage is best for me?

A : There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Casa Financial Services, Inc can help you evaluate your choices and help you make the most appropriate decision.