Emery Financial - Clients for LIFE.

CLIENTS for LIFE!

Our goal is to always provide the best rates and service to earn your business and referrals for life! Choosing the right broker means more than simply finding the lowest quote on a 30 year fixed. As your needs change, I'll keep you partnered with the lender who best suits you.

After all, what stays fixed for 30 years?

	Foreclosure are needed to help real estate, says economist
	Foreclosures are a necessary ingredient of a recovering real estate market, according to the chief economist of the California Association of Realtors, who spoke at a conference of Contra Costa County Realtors held in Walnut Creek.

	Got a Countrywide mortgage?
	California is among eleven states that are part of a lawsuit settlement that requires Countrywide Financial to help modify home loans of borrowers who are having trouble keeping up with their mortgage payments, according to an Associated Press story. The plan calls for Countrywide to reduce interest rates in some cases and lower the principal that is [...]

	Can bike trails help sell a house?
	To help show the two-wheeler appeal of a neighborhood, some real estate agents are giving bike tours to potential buyers , according to a Seattle Post-Intelligencer story. Would a bike-friendly be a selling point for you when it comes to buying a house? With gas prices high, bicycles flying out of stores and a buyer’s market for houses, several [...]

	Foreclosure follies ahead?
	A new state law intended to help people who are in danger of losing their homes to foreclosure could mask what’s really going on with foreclosures, according to a Los Angeles Times blog post Prepare for headlines along this line: “Huge drop in L.A. foreclosure filings in September.” Behind those upcoming headlines: a new state law requiring lenders to [...]

	Luxury condos come to landmark Oakland building
	So much for entry-level condo construction. The Cathedral Building condos offer something entirely different by combining luxury and history in a landmark building, according to my story in today’s paper. What do you think? Is city living in a high-end condo in a beautiful building appealing to you? A little bit of Manhattan’s Park Avenue has arrived [...]

2010 Crow Canyon Place, Suite 190 San Ramon CA 94583 (800) 334-8164, (925) 248-9200, ext. 101 Fax: (925) 866-9678
Rob Scott NMLS #281926

© 2012 W.J. Bradley Mortgage Capital, LLC 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government.

AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm Colorado Supervised Lender License #991424; Florida Mortgage Lender Servicer license #MLD738; ID Mortgage Broker License No. MBL-2803; IL Residential Mortgage Licensee – License #MB.6760738, 6465 Greenwood Plaza Blvd., Suite 500, Centennial, CO 80111; MN Residential Mortgage Originator License No. 20447094; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and

Loan Broker Act Reg. No. 01856; OK Mortgage Broker – License No. MB001365; OR Mortgage Lender License No. ML-776; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-NMLC;Utah Consumer Credit Notification; Vermont Lender License #6141; WA Consumer Loan License No. CL-3233; Wisconsin Mortgage Banker License No. 699991. NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233.

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