Doug Jones Senior Mortgage Consultant

Great info on renting vs. buying. Parents and Family members- FHA and Conventional both allow you as a non-occupying co-borrower to get your child or parent or... sibling out of the rent trap and into stable, equity building home ownership. Call me today to learn more about these low down payment/rate programs See more

Equifax Cyber Security Break- what to do: By now, most of you have heard there was a major security breach in Equifax's data center recently, which potentially ...impacted around 143 million U.S. consumers. To make clear, no breach as occurred at our credit provider Clear Choice Credit, and this incident has not impacted our system in any way. However, we would like to provide some useful information regarding the breach. This is the website Equifax provided to check if your identity was breached, and to sign up for their free monitoring services. https://www.equifaxsecurity2017.com/ Click "Potential Impact" button at the bottom of the screen. Here are some other steps to take to help protect you and your clients after a data breach: Check your credit reports from Equifax, Experian, and TransUnion for free by visiting annualcreditreport.com. Accounts or activity that you don’t recognize could indicate identity theft. Visit IdentityTheft.gov to find out what to do. Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts. Monitor your existing credit card and bank accounts closely for charges you don’t recognize. If you decide against a credit freeze, consider placing a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you. File your taxes early as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS. See more

Agents- given the recent rain issues- I can check a property address quickly for Flood Insurance requirements- just send me the address- text or call and I'll do a quick lookup. The monthly $ for Flood insurance can make or break a deal, so let me know if I can help. 916-770-0960

Disappointed by the rates you've been quoted on your purchase or refinance? Want to see if a lower rate will qualify you for more? Check out my website for an instant rate quoted for your mortgage needs. http://dougjones4loans.com/rates.php NMLS #222145/BRE #01863870