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I can answer all questions relating to real estate finance for 1-4 family residences. I also have access to answers related to commercial financing

Experience in the area

24 years in financial services directly out of the military with my time evenly split between mortgage and auto financing. I have my California Dept. of Real Estate sales license as well as my NMLS, and I work for a direct mortgage lender.


California Mortgage Bankers Association, NMLS, American Legion Past Vice-President and board member / volunteer for Meals on Wheels(Riverside,Ca)


High School graduate

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    K = Knowledgeability    C = Clarity of Response    P = Politeness

Recent Answers from Brian Sapp

2016-08-21 mortgage payments:

Hi Bill,    I don't know the mortgage balance, the area you live in, or your financial situation so it is hard to give a detailed answer here. However, if you're planning to sell your property, it would

2014-08-23 FHA MIP calculations:

Hi Danny,     Yes, the calculation for Up Front Mortgage Insurance Premium, and also the annual MIP are the same on all FHA loans with differences that depend on your down payment, and term of the loan

2013-12-26 gifts for down payment on mortgage:

Hi John,     I apologize for any delay in getting an answer to your question.     If your aunt / uncle are married then it should be no problem with having just one gift letter, even if the funds come

2013-09-06 Type of Mortgage to Get:

Hi Mike,     Thanks for the question, and definitely the right thing to get a good idea of your options BEFORE you start making offers.     We're getting this question a lot now that rates have moved up


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About Real Estate Home Mortgages
This topic answers questions related to purchasing a home, owning a home, home ownership, mortgage education, mortgage applications, and mortgage needs whether buying a first home or refinancing a current loan. Issues related to home ownership, home equity, mortgage education, refinacing options, home improvment finacing, first time home loans, home equity loans, vactation home loans, and mortgages for investment homes are dealt with here also. Though not the primary focus of this topic, Home Equity Lines of Credits (HELOCS), reverse mortgages, and calculating home equity may also be asked. If you do not see your home mortgae, home finacing, or home equity question answered in this area then please ask a question here

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