Real Realtors 002 | Duane Vizinau & Ronald Garcia

#RealRealtors | Duane Vizinau is the Mortgage Operations Manager at Travis Credit Union. He and Ronald Garcia join me in this episode to discuss the difference between credit unions and traditional banks, why getting rid of the mortgage interest deduction might not be so bad, flood insurance as it ties to Hurricane Harvey and the current Administration's announced to destroy DACA (Deferred Action for Childhood Arrivals). This is not an episode you want to miss.

Travis Credit Union:
Duane Vizinau:

Ronald Garcia
Contact: 650-804-5287,


Show Notes

Duane manages Real Estate loans for 23 branches of Travis Credit Union, has been in the business for 18 years

Travis Credit Union partners with real estate agents
- Builds relationship with local Realtors

Fannie Mae and Freddy Mac
- Government sponsored 
- Buy loans from banks
- Banks in turn make more loans

- Hurricane Harvey, homes without insurance
- Bay Area homes without earthquake insurance
- Effects on Homeowners, banks and insurance companies
- Mortgage insurance
- Insurance requirements on loans

Tips to improve your credit score
- Dont over extend yourself
- Keep expenses to a minimum
- Keep debt to under 33% of high limits

DACA Impact and Fallout
- Deferred Action for Childhood Arrivals
- Current administration announcement to cancel
- Impact on housing


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