David Baum / Senior Loan Officer

Purchase, Refinance, FHA, VA, Reverse Mortgages, Niche Products.

Mission: Our Mission is focused on your goals.

Operating as usual

David Baum / Senior Loan Officer's cover photo

David Baum / Senior Loan Officer's cover photo


Fannie Mae, Freddie Mac to roll out new mortgage-payment deferral option for homeowners facing financial trouble

Homeowners in distress need to read this... devil is always in the details.

marketwatch.com Homeowners who fall behind on their mortgage payments will soon have the ability to defer payments through a new service being offered by Fannie Mae and...


An over-simplified explanation regarding what's going on in the mortgage industry.

REALTORS: You need to understand what's going on in order to best advise and guide your clients.

Good explanation of an incredibly complex situation impacting your mortgage situation. Please call to discuss how this could be impacting you personally. 619-857-4143.

thenationalrealestatepost.com This show brought to you from our good friends at theREsource.tv An over-simplified explanation regarding what's going on in the mortgage industry.

Haven't posted much because I'm in the middle of transition. Lots of goodness on the way. Appreciate my peeps and my clients... building a first class team focused on making your home dreams a reality.


16 Things You'll Regret Not Doing Sooner To Cut Expenses (Grandparents Must See #11 For The Sake of Their Family)

Some pretty cool info here, including WHY YOU SHOULD OWN A HOME TO SAVE MONEY versus renting.

#homebuyer #savemoney #pennysaver #daveramsey

read.yourpennysaver.com Tap here to see them all

David Baum / Senior Loan Officer's cover photo



Lower than expected numbers as economic activity slows thanks to Trade War worries and Midwest flooding. Good news for existing homeowners who may be able to refinance and lower their payment. Call me at 619-857-4143 to discuss your situation.

mbshighway.com Infographs brought to you by MBSHighway


Ohio doctor charged with 25 counts of murder, accused of prescribing excessive doses of painkillers

25 MURDERS! This thoroughly disgusts and dumbfounds me... All of this death going on in the streets of Ohio, one would never suspect this was going on in a hospital!!!

nbcnews.com The patient deaths involving William Husel, 43, have exposed a stunning case of medical oversight and alleged medical malpractice.


ADP Employment Growth Crashes To 9 Year Lows

Some are going to twist this number, but the bottom line is that we do not have enough qualified candidates to fill the open positions in the labor force.

"Small business employment collapsed by 52k (large business rose) with very small (1-19 people) plunging..."

zerohedge.com “Job growth is moderating. Labor shortages are impeding job growth, particularly at small companies, and layoffs at brick-and-mortar retailers are hurting. "


Payment to Income Ratio

Payment-to-Income ratio is the best it's been in over a year which speaks to better job formation (more higher paying full-time jobs being created) and lowering interest rates as housing prices have stabilized. In other words, a great time to buy.

mbshighway.com Black Knight reported this morning that the monthly Payment to Income ratio has dropped to the lowest level in a year. This is helped by lower rates and rising income and speaks to Affordability and the health of the housing market.

The Lighter Side of Real Estate

Some would say this would be a clean deal!

Just gotta keep forging ahead...


Barry Habib Makes Extremely Bold Prediction on Rates

Barry is saying we are heading to new lows in rates... over time. He's called it before and he has such a great track record. What you need to do is reach out to me to discuss YOUR personal strategy. Everyone's circumstances are different!!! 619-857-4143.

#lowrates #mortgage #refinance #purchase

thenationalrealestatepost.com Barry Habib Makes Extremely Bold Prediction on Rates


Parents giving kids an average of $39,000 to buy a home, and it's a problem

msn.com 'It absolutely is a problem.'


First American says product defect could have caused customer data exposure

Since 2003??? Don't even know what you could do about this now, but it should serve notice that you need to be monitoring your credit on a regular basis, especially for inquiries. Give me a call to learn the best way to do so... No, it's not through your credit card company! 619-857-4143

msn.com First American says product defect could have caused customer data exposure

Frank Garay and Brian Stevens

AGENTS.... You need a Zillow strategy, whether you are a Premier Agent or not. I can help you with that. Call me directly at 619-857-4143.

POTUS vs Zillow CEO
Sponsor: https://www2.electrikeyecorp.com/l/50392/2017-12-27/9838l3
Subscribe: https://www.youtube.com/channel/UCpv89hNA3YIDCsQqLlssCdg?view_as=subscriber

Frank Garay and Brian Stevens

-#REALTORS… The Zillow facts are there. The question is: What are YOU going to do about it? You need to have a strategy!

Call me directly at 619-857-4143 to learn what YOU can do.

NAR Chief Not Afraid of Zillow
Sponsor: https://register.gotowebinar.com/register/9029342717450232321

Frank Garay and Brian Stevens

GREAT info for Realtors to understand how demographics can influence the housing market. In this case Barry Habib and Frank Garay discuss the impact of birth rate. MUST SEE!

The Roe v. Wade Effect on Housing
Subscribe: https://www.youtube.com/channel/UCpv89hNA3YIDCsQqLlssCdg/videos?view_as=subscriber

Sponsor: https://sponsor.nrep.tv/quickquote/

Frank Garay and Brian Stevens

People are getting a bit verklempt about talk of recession, but recessions are a normal part of the business cycle. Here's some sage advice from Barry Habib regarding how to respond accordingly.

If you have any questions about strategies you can implement to actually prosper during this time, call/text me at 619-857-4143 or [email protected]


Recession and Rates with Barry Habib
Sponsor: https://marketinganimals.lpages.co/how-to-get-inbound-referrals-3-different-ways/?cookieUUID=1a7d5010-116e-4ad6-98ac-06e870d07b4b
Subscribe: https://www.youtube.com/channel/UCpv89hNA3YIDCsQqLlssCdg/videos

Veterans One

Synergy One and Mutual of Omaha Bank have merged and meshed together to become dynamic in all spaces, including VA Lending and support for Veterans in general. This is the first installment of our Veterans One program which discusses what we as a company are accomplishing.

Give me a call to discuss how we can work together at 619-857-4143

#veteransadvocate #VAloans #homeloan #mortgage #10dayclose

We are proud to present the first episode of Veterans One!

Our mission is to create an asset that serves those who have served with unwavering integrity. Join us to meet some of the most influential and inspiring people in the Veteran community!

Featuring: Hernan Luis y Prado, Founder/CEO of Workshops for Warriors, David Smith, VP of Business Development for Mutual of Omaha Mortgage with host Amy Scruggs and co-host & veteran Joel Hernandez, Branch Manager for Synergy One Lending - Corporate with his guest Paige Hardy Hill of Hardy Realtors-The Voice of Temecula Valley's Real Estate!

Check it out! 🎬


Humphreys Concerts by the bay 2019 Schedule

What you need to know: HUMPHREYS CONCERTS BY THE BAY - 2019. Get your tickets early!..Highly recommend the room packages.

#humphreysconcertsbythebay #sandiegonightlife #jazzconcerts #sandiegosummer #entertainment

humphreysconcerts.com Humphreys Concerts by the bay official website


12 cities on the verge of a housing bubble in 2019

What, no locations in California? Also note the number of cities on the list that most would consider to be "college towns".

nationalmortgagenews.com Home affordability is at a 10-year low across the nation. Here's a look at the 12 cities most in danger of a housing bubble in 2019.

I work with some great Realtors who will work with you the find your home. Allow me to unlock the door.

[email protected]

#iknowaguy #everyclienteverytime

The Team keeps getting better! Give me a call at 619-857-4143 to learn more. https://joinsynergy1.com

"Congratulations to Aaron Duca on his move to Synergy One Lending, a Mutual of Omaha Bank company. Duca has been a top producing loan originator, branch manager, area manager and District Manager for over 15 years. Duca joined Synergy as VP, Market Production Leader and is responsible for helping Aaron Nemec, EVP, National Head of Production, drive Synergy’s sales, recruiting, market expansion, and business development across the country, among other responsibilities." - Rob Chrisman - Daily Mortgage News & Commentary

Synergy is one of the fastest growing mortgage lenders in the country. If you’re looking for opportunities to learn more about the power behind Synergy’s bank-backed value proposition, please visit https://joinsynergy1.com.

Frank Garay and Brian Stevens

Hell-oh... Realtor McFly! Time to wake-up to what you have created by handing your content over to Zillow, et al.

😱Entire Real Estate Industry Being Sued 😱❗️❗️❗️
📢Sponsor 📢 https://www2.electrikeyecorp.com/AngelOak
Subscribe: https://www.youtube.com/channel/UCpv89hNA3YIDCsQqLlssCdg/videos

#mortgage #mortgagenews #realestate #realestatenews #frankandbrian #NREP #lawsuit #zillow

A big deal!

Today marked only the 2nd time since September 7th, 2017 that the 10 year Treasury rate pierced the line of support (Green Line A - B) The only previous time was January 3rd. If the rate drops below this level of support, it could spark a refinance binge for every loan done in 2018.

Scary jobs numbers on the surface... Curse of the Winter Vortex and Government Shutdown. Great breakdown of where jobs were gained and lost.

#lowratesahead #jobs #interestrates #unemploymentrate


New Research Reveals Exercising Can Give Your Brain This Major Boost

sm.cc Plenty of studies have shown that exercise can boost brain health over time, especially in older adults at risk for dementia. However, a new study published in the journal Neurology, the medical journal of the American Academy of Neurology, found…

Synergy One Lending - Rancho Bernardo

It's time to brace for change! On this edition of This Week Today we will cover a new start up, mortgage rates and of course your lightning round!

Tune in now!

#SynergyOne #TWT #ThisWeekToday


Becoming a Homeowner by Age 35 Is Worth It Now — and Later

The single greatest indicator of wealth in the US is to own your home. Give me a call at 619-857-4143 to learn how you can become a homeowner.

sm.cc Becoming a first-time homeowner by age 35 may mean more wealth at retirement. Millennials can use loan and assistance programs to make homeownership more affordable.


9 Books Every Professional Should Read in 2019

Worth considering... Readers are leaders.

#realtor #mortgage #nmls #realestate #homeloans

inc.com By reading experts' insights, anyone can emulate the strategies of the best and brightest.


Debbie De Grote's Excelleum - Debbie De Grote

I have found Debbie De Grote's information to be spot on and valuable.

excelleum.com Are you an agent needing more listings, but can't find any sellers? Debbie De Grote has what you are looking for.


10 Tools to Boost Your Small Business' Social Media Game

Make your business easy to be found and worth finding. These tools will take care of the former. The latter is up to you!

pcmag.com It's National Small Business Week. To help celebrate, we share 10 tools that small businesses can use to effectively engage their audience.

[01/23/19]   Realtor Modality:
Be the one standing next to a person when that person
decides to buy or sell

Tami Heitzwebel-Heitz Team, REMAX Associates Northeast

Some great ideas for prepping to sell your home for maximum dollars.

Properties that show the best sell the quickest and for the highest price. Learn how to prepare your home here!

Want your business to be the top-listed Finance Company in Houston?

Click here to claim your Sponsored Listing.

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