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Foreclosure process explained

Foreclosure process explained

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Q. How does the foreclosure process work? What is the … Read More

Couple financially trapped in home

Couple financially trapped in home

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Q. My wife and I purchased a one-bedroom condo in … Read More

Can business credit be used for home buying?

Can business credit be used for home buying?

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Tonya in Aliso Viejo: Q. Is it possible to use … Read More

Reader tempted by low interest rate

Reader tempted by low interest rate

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Q. We have a second home with $300,000 equity and … Read More

Investors treading water on $13-million property

Investors treading water on $13-million property

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Q. I believe your column is for home owners but … Read More

Reader has four properties and wants more

Reader has four properties and wants more

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Q. I currently own four properties with mortgages on them. … Read More

Homeowner wants to convert equity to emergency cash

Homeowner wants to convert equity to emergency cash

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Q. I own a property that is paid off. I … Read More

The skinny on early payment mortgage schemes

The skinny on early payment mortgage schemes

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Q. I understand that you can cut down on the … Read More

Homebuyer debates paying off credit card

Homebuyer debates paying off credit card

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Karl in Lake Forest asks: Q My wife and I … Read More

Reader wants to get credit line to buy third home

Reader wants to get credit line to buy third home

Randy Johnson, president of Independence Mortgage Co. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… Tony in Mesa AZ asks: Q. I currently have a … Read More