Joy Spence

NMLS # 274188
CalBRE # 00979728

650-762-3003

Joy@emortgageservices.net

Joy Spence

Blog

Merry Christmas and a Happy New Year

Merry Christmas and a Happy New Year

All of us at Mortgage Services would like to wish you a very Merry Christmas and a Happy New Year! We hope that 2020 is a year full of happiness, health and prosperity for you and your loved ones. All the Best, Mortgage Services

Dec 23, 2019 |

What Fees Are Included in My Monthly Mortgage Payment?

What Fees Are Included in My Monthly Mortgage Payment?

You think you understand how much your mortgage payment is going to be and then your first bill comes. There seems to be more included in your payment than you expected. What are all the fees in your monthly mortgage bill? Mortgage Principal Your mortga

Dec 18, 2019 | Purchasing a Home

6 Tips to Get a Rock-Bottom Home Loan Payment

6 Tips to Get a Rock-Bottom Home Loan Payment

Buying a home can be an overwhelming process, especially if it is your first time.  It can be easy to get swept along in the process without stopping to make sure you are getting the best deal on your mortgage payment. There are at least six ways to

Dec 11, 2019 | Mortgage Advice Purchasing a Home

How to Cancel FHA Mortgage Insurance

How to Cancel FHA Mortgage Insurance

Mortgage loans made by the Federal Housing Administration can be a huge help to homebuyers without a large down payment. FHA loans require down payments of as little as 3.5%. Traditional loans often require 20%. Yet FHA mortgages come with some strings at

Dec 04, 2019 | Government Loans FHA Loans

How to Make the Most of a Home Inspection Before You Buy

How to Make the Most of a Home Inspection Before You Buy

Once you’ve put an offer on a home, the excitement sets in and you can’t wait to close. But there are some important things that need to take place before that day, namely a home inspection. You cannot see all a home’s issues from a walk

Nov 27, 2019 | Purchasing a Home Mortgage Advice

Happy Thanksgiving

We would like to thank all of our customers and wish them a Happy Thanksgiving. Please remember if you are traveling, to be safe. We are so grateful that you have managed to stick with us.

Nov 21, 2019 | Happy Thanksgiving Safe Travels