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LoanSafe.org is America’s #1 mortgage forum for consumers. Since 2007 we have provided free online mortgage help for consumers. Our work has been featured in the New York Times, Fox Business, Money Magazine and many more media outlets. Join our forum and get answers from the experts to your tough loan questions.

Erik Sandstrom

Erik Sandstrom


Hi, my name is Erik Sandstrom. I’m a proud sponsor and mortgage expert on LoanSafe.org. I’m also a sale’s manager and loan officer with Caliber Home Loans. If you are looking for a great mortgage with the best rates or for a great company to work for, please give me a call at 619-379-8999

Latest Mortgage News

Can I refinance my mortgage without any equity in my home?

There are definitely options in the market that are available for you to refinance your mortgage without equity in your home. But your success will depend on several factors such as your credit score, neighborhood values, type of loan and your finance, employment and... read more

Mortgage Rates for Tuesday July 7, 2015

Current mortgage rates this Tuesday at the nation’s top lenders are mostly mixed, with some lenders lowering rates on various loan programs. The national average for the 30 year fixed is 4.08%, and the 15 year fixed is at 3.24%. The 5 year ARM average is at 2.99%, and... read more

Fannie Mae Receives Master Credit Ranking from Morningstar

The national ratings agency, Morningstar Credit Ratings, said today that they assigned Fannie Mae its ‘MOR CS1′ commercial mortgage master servicer ranking, and that their forecast for the ranking of the government’s sponsored mortgage giant is... read more

Home Values Rise 1.7% in May

Home values for the month of May have risen to a 10 month high, according to a new report released yesterday by CoreLogic. The numbers go in line with the spring and summer home shopping seasons which normally see a lower supply of homes available for sale due to the... read more

Current Mortgage Rates for Monday July 6, 2015

The nation’s top lenders are reporting that rates for this Monday are mostly stable, with some loan programs going higher since our last report on Friday. The current national weekly average for conforming mortgage and ARM loan rates are stable as well. The 30 year... read more

How to calculate your mortgage rate

If you’re looking for the most affordable rate, understand that your mortgage rate will depend on factors like your credit, down payment, home equity, past late mortgage payments, first mortgage balance, first mortgage interest rate, existing type of rate, do... read more

How many times can you refinance a home within a year?

Many borrowers think that they can refinance their home as often as they would like, but the facts are that this is far from the truth. Many lenders have seasoning requirements that state that borrowers cannot refinance without various penalties within a 1-3 year time... read more

Current Mortgage Rates

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