Bentley Mortgage and Real Estate Services

11/26/2024

Come join Granite City 909 band Friday night December 6th from 7-9 PM at the Powerhouse Pub, located at 614 Sutter St in Old Historic Folsom. The band will be performing some of rock music's greatest songs for your dancing and listening enjoyment. Bring your family and friends and join us for the fun. We know you will have a great time.
See you there.... Steve Miklos

08/23/2024

Thursday, September 12th from 7:30 to 9:30 PM, Granite City 909 will be performing live on the stage at the Zittel Ampitheater in Old Historic Folsom. Please join us for some great rock and roll classic music, dancing and just an overall fun time with the band.
See you there! 😀

Steve

07/05/2024

This house is fire! Like the current temperatures!

07/05/2024

This house is as HOT as the temperature this weekend!

06/21/2024

Tonight, Granite City 909 is performing live on the stage in the Piazza at Palladio Mall. We are performing from 7:30 until 9:30PM. The venue is in the shade and start time the temperature is expected to be approximately 85 degrees.

What great weather to come out and dance, enjoy some great classic rock music and visit with friends and family.

See you tonight.

Steve

04/14/2023

11/05/2022

We’re often surprised that many homeowners don’t know about second mortgages.
First a second mortgage is like the name says, a loan in addition to your primary mortgage, that allows you to borrow money using your home as collateral and the first mortgage is not yet paid off. The second mortgage also like the name says, is second to the original mortgage. In case of default, the first mortgage is paid off first. As such the interest rates are generally higher than first mortgages but amounts borrowed are usually much lower, as well (of course you will need to have equity in your home to qualify for a second mortgage).
One benefit of a second mortgage is getting money needed for expenses, such as tuition or renovations at an interest rate that while higher than first mortgages is much lower than credit card interest rates.
Most second mortgages are in the type of a home equity loan or a home equity line of credit (HELOC). The home equity loan is a lump sum payment of money that is then paid off monthly like your first mortgage.
HELOCs are more like a credit card where you will be approved for a line of credit based on the equity in your home and then you can borrower against that.
If you are interested in learning more file out our loan analyzer on our website or call and we can analyze your situation to see what best fits your needs!

10/28/2022

Nationally, we have been in a seller’s market for quite some time, but there are signs that maybe changing. The seller’s market was fueled by tight inventory and high demand, and was punctuated with bidding wars and cash offers.
A move towards a buyer’s market would mean that houses stay on the market longer and prices stabilize or even drop. Signs of a buyers market include, higher inventory, prices getting lowered, the aforementioned increase in days on market, as well as things like incentives offered by the seller such as help with closing costs or renovations.
The old adage about everything in real estate being local means that some areas maybe in a buyer’s market while others not so much. And while it might not be a buyer’s market, it does seem that we are moving towards a more balanced market.
If you are thinking of buying check with us and we help advise on your area and the current market conditions.

10/22/2022

As home prices have risen dramatically the last few years (yes, they are starting to inch down now), many people find their dream house seemingly out of reach. Don’t despair, here are some tips to save a thousands on your home purchase and lower costs.
Move Out Of Your Comfort Zone
Ok maybe not your comfort zone, but expanding your search area can make a big difference. If you are priced out of your preferred neighborhood, try expanding your search to nearby areas where housing prices can be significantly lower.
Credit Check?
Check your credit score and see if there are any issues that need to be addressed. Since your credit score has a big impact on getting lower interest rates, if there are fixable issues it can make a difference!
Down Payment Support
If you need help with your down payment, there are a number of different programs as well as local ones that maybe able to provide support for the down payment.
For help on your specific situation, fill out our home purchase qualifier on our website to help find your best fit in todays environment.