Rita Pen NMLSR ID 244572

Worried about your adjustable-rate mortgage? You may be able to refinance it to a fixed-rate. My site has some details for you to consider. Check it out and let's work together to make a plan specific to your situation.

Could refinancing lower your monthly mortgage payment? My site can help you understand the benefits and costs. Contact me when you're ready to get started.

According to the Wells Fargo Economics Group, household debt in the United States is higher now than it was at the height of the prior cycle. But, rather than seeing elevated household debt levels as an immediate catalyst for recession, we see a shift in the composition of debt that will likely weigh on consumer spending for years to come. View commentary here:

Useful approaches on how to make a successful bid when making an offer on a house.

Get the home of your dreams. If you think homeownership is beyond your reach, don’t forget Wells Fargo provides a variety of home financing options. Feel free to contact me at 650-313-3424.

Clever ideas to help you get more storage space from your home.

8 important things to consider before doing a bathroom renovation.

Personalize your home to fit your lifestyle. My site has valuable information to help answer your questions about financing options when renovating or remodeling your home. Start here and then contact me if you would like to discuss your specific needs.

Get your house looking more organized with helpful suggestions from famous organizer Marie Kondo...

A few short months ago, the U.S. economy was cruising along with strong growth momentum. But the environment clearly has changed. Financial markets have encountered turbulence and economic growth has slowed. What happened? Read the commentary from the Wells Fargo Economics Group here.

Suggestions to help keep your data safe when you travel this holiday season.

As part of the Wells Fargo Private Mortgage Banking group, I source, serve and solution the mortgage needs of affluent and high-net-worth clients. Visit my website or contact me to find out how I can help.

This Veterans Day, Wells Fargo and Military Warriors Support Foundation donated a mortgage-free home in Northumberland, PA to Retired U.S. Army Sergeant James Bayer III, who served in Iraq and Afghanistan and was wounded in combat. The Bayer family will now have 3 years of financial mentoring to go along with their newly renovated, mortgage-free home. Congrats and thank you for your service, Sgt. Bayer!