Kemmer Matteson has been in the Mortgage Business for over 28 years and has been President of First California Financial for 18 years. He Provides in depth analysis of your current Mortgage Situation and compares this to the best available alternatives in the marketplace today based on your needs and specific goals. Real Estate is a long-term acquisition. As such you should look for long term financing options. Many lenders will try to sell you what they want. Adjustable rate loans or "NO COST Loans" These loans either gets them off the hook when rates go up or they bait you into a higher rate in the first place by agreeing to pay for your fees upfront. While there is a purpose for all types of loans most people should just lock into a fixed payment that they can afford and then not worry about it. If the Value goes down in the short term, just keep making your payments, as the values will eventually go back up. Allow me to educate you on all the options you have and help you make a decision based on what is in your best interest.