Yesterday I had the pleasure of meeting Marc Brinitzer, author of the Sacramento mortgage blog, LendingClarity.com. Marc is a Mortgage Consultant and the leader of Big Valley Mortgage’s Team One.

Real estate blogs have been around for some time. Mine was one of the first in this area, but recently a handful of competitors have started blogging about the Sacramento area, and there has been an explosion of new blogs being launched by other Realtors® in other areas. Mortgage blogs are fewer in number. Google returns 12 million results for “Real Estate Blog”, but just under 2 million for “Mortgage Blog”. So you might say with some justice that Realtors are six times more verbose.

I came across Marc’s blog lately and thought it had some really good work — so we’re fortunate that the first mortgage blog I stumbled on for our area is a real keeper. For example, his most recent discussion of Risk Based Pricing talks about how as lenders tighten their underwriting guidelines more and more, it’s more important than ever to keep your payments timely and your credit pristine, since even in A paper world will start to stratify. To paraphrase Orwell, all A paper borrowers will still get the best rates, but some A paper borrowers are more A paper than others.

Marc also drew my attention over coffee to a great article he wrote about these Countrywide Shenanigans (and I’ll let you follow his links from there to learn how to avoid selling your soul to the Devil).

Marc and I may be doing an article swap or two in the near future. I may be doing some more Mortgage reporting of my own going forward, since I am taking a very serious look into creating an in-house lending solution for those buyers who would feel they’d benefit from it. Be that as it may I do think that Marc’s blog has a lot to offer and you should check it out.

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