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Bay Equity News

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August 16, 2019
Buy in autumn: Fall into savings!

School bells are ringing again across the nation and it can be a hectic time.

Many home buyers have children and as a result they’re looking to get a deal done before the end of summer. Changing school districts in the middle of the year can be a hassle.

But the statistics say summer is the...

August 8, 2019
Dog Days Unleash Financial Frenzy

Just in time for the dog days of summer a little economic unrest has been unleashed.

On July 31 2019 the Federal Reserve cut its baseline interest rates by a quarter point despite a booming domestic economy. During the same week President Donald Trump stepped up his rhetoric with threats of more tariffs in his protracted...

August 5, 2019
Bidding and Budgeting

When it comes to settling down in the 21st Century new home buyers are making it clear: They’re willing to commute to get a better deal.

After a decade of fretting over how to get young adults to venture out of the pricier downtown areas it’s becoming apparent that movement to suburbia and beyond is becoming...

Adam Boles
August 2, 2019
The Fed Doesn't Determine Your Mortgage Rate

Financial pundits like to talk about what the Federal Reserve is up to. You may have seen recent news stories about “The Fed” lowering interest rates. While that’s great news for consumers in general the Federal Reserve doesn’t set mortgage rates.

Without getting too technical rates for most mortgage products are driven by other parts...

July 27, 2019
Don’t believe the hype: See if you qualify

According to a recent Freddie Mac survey a stunning 82 percent of renters think renting is cheaper than buying.

Viewed through a short-term lens it’s understandable that renting somehow seems less burdensome. With increasing pressure from student loans the cost of living and child care purchasing a home can feel like just another financial albatross.


July 10, 2019
Rolling Student Loans into mortgages requires careful consideration

With untapped home equity at an all-time high of $14.4 trillion homeowners could be poised to start cashing in.

College educations while extremely valuable have become prohibitively expensive in the last few decades. Some 44 million Americans have amassed $1.5 trillion in student loan debt carrying an average balance of $40 000.

It can feel like an...

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