Galen Elise Call, CRMP. Certified Reverse Mortgage Professional Monterey California

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galencall April 11, 2013

Fed Meeting Minutes Reveal Rising Wealth Among Homeowners

The minutes for the Federal Open Market Committee (FOMC) meeting held March 19 and 20 were released on Wednesday April 10, 2013.

These periodic meetings by the FOMC cover a wide ranging group of topics that impact the overall economy in the United States.

Filed Under: Federal Reserve Tagged With: Economy, FOMC Minutes, Personal Wealth

galencall April 5, 2013

Don’t Get Fooled By Tricky Terms When Purchasing Real Estate

When looking to buy or sell real estate, confusing terminology can leave you feeling confused.

From a multitude of numbers to marketing jargon, property listings can provide you with an overwhelming amount of information — and it's hard to know what's important.

Filed Under: Real Estate Tips Tagged With: Home Buyer, Home Seller, Real Estate Terms

galencall April 3, 2013

5 Top Tips For Purchasing Your New Home

It's a great time to buy because there are quite a few homes for sale now and interest rates have continued to stay comparatively low.

Filed Under: Real Estate Tips Tagged With: Home Buyer, Pre-Approved Mortgage Financing, Purchase Real Estate

galencall March 7, 2013

Look For Improvements In The Real Estate Market In 2013

The previous couple years' doom and gloom outlook is looking like it is turning more upbeat and robust for the rest of 2013.

Filed Under: Housing Analysis Tagged With: Getting The Highest Price, Improving Market, Selling Your Home

galencall February 27, 2013

Is Downsizing The Next Big Trend In Homes?

Instead of going for larger homes, which was an overwhelming trend in years past, many people are choosing micro-dwellings.

Filed Under: Real Estate Trends Tagged With: Downsizing, Micro Dwellings, Real Estate

galencall February 26, 2013

Fed Considers Future of Quantitative Easing

The Federal Open Market Committee (FOMC) released minutes from its January meeting on Wednesday, as it generally does three weeks following the meeting.

Filed Under: Federal Reserve Tagged With: Federal Reserve, FOMC, QE, Quantitative Easing

galencall February 13, 2013

5 Power Saving Ideas That Can Lower Your Energy Bill

Whether you are energy conscious or just trying to save money, there are many steps you can take to lower your home bills while helping the environment at the same time.

Filed Under: Around The Home Tagged With: energy, power, Savings

galencall January 30, 2013

Lower up front Cost with a Reverse Mortgage Fixed Saver loan!

Below is some of the detail surrounding the change effective April 1, 2013 on the fixed rate Reverse Mortgage loan.   In simple terms one can obtain a fixed rate loan today. After April 1 2013, what is called the Standard fixed rate product becomes replaced with the Saver fixed rate product which in the end, provides less proceeds. However, in the past, today and going forward, the upfront closing costs are lower with the Saver because the upfront mortgage insurance premium is pennies on the dollar. Proceeds while less, are often most adequate for realizing the borrowers goals. Each client of mine is so unique and the appropriate program is determined by their particular needs. If more loan proceeds are required the HECM Standard adjustable rate product does indeed address that concern and is available. The Reverse Mortgage program at large is growing, demand and interest continues and as always it is a privilege to serve you. The shifting of available product this year is all about FHA and the insurance fund. Rest assured it is going to be a great year for seniors 62 and over! Call or email me any time for  refinance or purchase questions; I can help! read more

Filed Under: Uncategorized

galencall January 10, 2013

What To Do When Your Home Doesn’t Appraise At Its Purchase Price

Experienced home sellers know that reaching a sales agreement with a potential buyer can be just the start of the negotiation process.

Filed Under: Personal Finance Tagged With: Appraisal, Comparable Homes, Home Value

galencall January 8, 2013

Choosing “Green Homes”

For environmentally-conscious homeowners wanting to minimize their footprint and their energy bills, there are four areas upon which to focus.

Filed Under: Around The Home Tagged With: Energy Star, EPA, Green Homes

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GALEN ELISE CALL, CRMP


Certified Reverse Mortgage Professional

Call Today: 831-645-1164
gcall@apmortgage.com

NMLS #226129 | DRE #00908338
APMC DRE #01215943 | APMC NMLS #1850

APM Reverse Mortgage Group

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Licensed by the Department of Corporations under the California Residential Mortgage Lending Act

Licensed by the Department of Financial Protection and Innovation under the CRMLA

California zip codes served: 93940, 93901, 93905, 93908, 93921, 93933, 93943, 93950, 93953, 93955, and 93962

Not available in New York.

Copyright © 2025 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

3000 Lava Ridge Ct. Suite 103
Roseville, GA 95661

Branch NMLS #150590

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