Orange County Mortgage Planner

My job, plain and simply, is to help you save money and protect the financial future of you, and your family. My clients are extremely comfortable in working with someone with my integrity, professionalism, and ability to place people with the best product for their situation.

I have 12 years of experience in the mortgage industry and 24 years in customer service. I have seen the industry through its ebbs and flows and I know the players. I will still be here for you when others move to the next “Hot” Industry.
Do you want the best loan for YOU, or for your loan officer? Whether your credit’s flawless or you have a more challenging financial background, I will find the right program for you. The reality about mortgages is that there’s no one typical solution that’s best for everybody. This is why I take the time to learn about your need and goals before presenting mortgage solutions for us to discuss and review. After that, I will tailor a loan to suit your situation.
Why work with me? Please see my numerous references that will assure you of my client dealings. It’s one of the reasons I have remained in the business through this tough time. Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL  

“The call for your financial future is free and my services are priceless”

30-year mortgage rate down for 5th straight week

The 30-year fixed-mortgage rate on Zillow’s Mortgage Marketplace, which tracks mortgages on the company’s website, was 3.25%, down from 3.31% a week earlier. The Mortgage Marketplace, which launched in April 2008, recorded declines for much of last year.

Mortgage rates have dropped again – New All Time Lowest Rates

WASHINGTON (MarketWatch) — Mortgage rates have dropped again, continuing to support housing affordability, with the average rate on the 15-year fixed-rate mortgage hitting a record low of 2.56% in the week ending May 2, down from 2.61% in the prior week, Freddie Mac said Thursday in its weekly report. These data go back to1991. A year ago, the 15-year rate was 3.07%. “Mortgage rates eased somewhat following the release of the advance estimate of real GDP growth for the first quarter of the year, which rose 2.5%, but fell short of the market consensus forecast. Near record low mortgage rates should further drive the housing market recovery over the near term,” said Frank Nothaft, Freddie’s chief economist. Meanwhile, the popular 30-year fixed-rate mortgage declined to 3.35% in the latest week from 3.40% in the prior week, moving closer to a record low of 3.31%. The average rate on the 5-year Treasury-indexed hybrid adjustable-rate mortgage also hit a record low in the latest week, declining to 2.56% from 2.58% in the prior week. The data on the 5-year mortgage go back to 2005. The 1-year Treasury-indexed ARM also declined to 2.56% in the latest week, down from 2.62% in the prior week.

What to do if your home is underwater and you are in a VA loan

Are you a veteran with a VA loan? Do you currently owe more than your home is worth? Have your payments been on time? Have you been able to keep up your credit score (620 or above)?

If so, there is a very good possibility that you can still refinance your home today through the VA IRRRL program. This program was established by the VA to allow veterans to refinance their home without the need for an appraisal, or income verification. Commonly referred to as a VA Streamline, you may have the ability to refinance to a lower interest rate with ZERO money out of pocket.

Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL