In late 2015, the Consumer Financial Protection Bureau (CFPB) instituted several revisions to the loan disclosure process required for residential mortgage loans. Known as TRID, the TILA/RESPA Integrated Disclosures Act was designed to help borrowers better understand the terms of their proposed new mortgage loan. Specifically, the Loan Estimate and Closing Disclosure were created in
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Whether you’re buying your first house or getting ready to refinance, choosing the right loan product is a vital part of the process. Understanding interest rates and loan programs allows you to make an informed decision about the best way to finance what is likely to be the most valuable investment of your life. Mortgage
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Do you work for Google, Facebook, Snapchat or one of the many flourishing startups in California? Restricted stock units are a prime example of a financial incentive provided to employees of companies like these. When you have a non-traditional income from working at either a privately held or publicly held company, you may wonder whether
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Before you apply for a mortgage it is a good idea to compare interest rates. Shopping for mortgage interest rates is not your typical shopping expedition, but some research can save you in the long run. Even the slightest shift in your loan’s interest rate impacts your monthly mortgage payment and the amount of interest
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A new year gives us a clean slate and an opportunity to improve our lives. One of the best ways to do that is by improving our finances. Here are the financial resolutions that will put you on track to do just that. Get a Clear Picture Before you can make a plan to improve
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The Rise of the New Economy: Moonlighting in the 21st Century There are 53 million Americans working in the freelance economy. Of those, about 14 million are “moonlighters,” people who are traditionally employed but make supplemental income through things like consulting and freelancing. That additional income can add up to a pretty penny when combined with
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When no one else can help Carlyle Financial can! Finally managed to get my dream San Francisco place and then 8 months later we refinanced from 5.125% to 3.875% - rabbit out of the hat! Dedicated to ensuring they find something that works for you.
I did a jumbo mortgage refinance with Carlyle Financial. I had excellent experience with them. The whole process was smooth with exceptional level of service provided to me by Robert and his team.
Robert and all the staff were extremely polite and efficient. The eSigning and document uploading processes made everything very easy and secure, and Robert really knows his jumbo loan products. Carlyle Financial has earned another new loyal customer!
We made a home purchase with a jumbo mortgage with Carlyle Financial. Robert and Katheryn are fantastic to work with. They are very knowledgeable, professional and responsive.
I just refinanced on my home in San Francisco and Robert at Carlyle Financial made it possible. If you are buying a home or refinancing, use Robert and his team.
Robert and the Carlyle Financial team make the financing process understandable. They help you overcome any issues, they explain what's going on, they are very patient throughout the whole process. They truly are on your team. I was amazed at how smart, diligent, friendly, creative and dedicated Robert and his team are. They are committed to helping you and getting a deal done.
I have worked with numerous mortgage brokers in the past, and I will not use anyone else in the future.
