It gives me great pleasure to announce that not one, but TWO outstanding loan officers have volunteered to write about finance and mortgage issues for me here. That’s so cool, it’s like having a candy mint AND a breath mint.

By way of a Real Estate Settlements and Procedures Act (RESPA) disclosure, let me point out up front that Linda Spafford and Jen Yee (who’ll be joining in later) are independent contractors who are blogging not in exchange for referrals from John Lockwood Associates, but because their individual efforts at blogging may generate some business for themselves. As a consumer, you have absolute choice over your settlement providers and are free to use all of us, some of us, or none of us. (And if RESPA allows me to say so, that list is in descending order of my preference. ) Consumers, you can learn more about RESPA here.

This week we introduce Linda Spafford, who I first met at an open house I was holding in Placerville. She’s been providing outstanding rates and service to my buyers and putting up with my foibles ever since. She has worked many a weekend getting my buyers pre-qualified, and closed more loans that I frankly thought were impossible than I can even remember. So especially if you’ve been turned down by other lenders, you owe it to yourself to give Linda a call. (But don’t get me wrong, if you have a 750 credit score and a 30% debt-to-income ratio and 20% down, I’m sure Linda would love a chance to show you what she can do for you as well).

Linda, thanks so much for joining us. I’m sure your contributions will be a welcome addition to the discussion here and give the blog some “finance breadth” that it has lacked.

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