by Fakri Zubek | Dec 7, 2019
Buying a home can seem like trying to take a trip without a map or, these days, GPS. You know what you want to achieve but find it’s not as straightforward as you thought. This is why working with someone who’s done this before is important. Many people...
by Fakri Zubek | Dec 2, 2019
The importance of credit can not be overstated. Your credit score determines both IF you will get a loan AND at what interest rate. Free credit reports are available (see graphic) from each credit bureau once per year. These will not show your credit score but they...
by Fakri Zubek | Nov 24, 2019
One often repeated wisdom is that 80% of sales happen between Memorial Day and Labor Day. While there can be some truth to that nationally, in San Diego buying out of season is both real and can be profitable. The so-called buying season is driven by two things,...
by Fakri Zubek | Nov 16, 2019
Being the winning bid can be daunting when you hear of homes attracting 20 to 25 offers over the course of a single weekend’s open house(s). In fact, it need not be as difficult as you may think. Breakdown your offer You may think that it is all about the money,...
by Fakri Zubek | Nov 9, 2019
If you are self-employed or working on a 1099 basis a mortgage may seem daunting. The good news is there are different kinds of lenders. Some lenders will take a cut-and-dry approach to making a loan. Either you meet their criteria or you are ineligible. Issues The...
by Fakri Zubek | Nov 2, 2019
The benefits of home ownership are many. Sometimes we overlook the rest of them as we focus on finding the “right” home. Taking the longer view, we can see additional benefits which will likely come into play years from now. Security Statistics show that...
by Fakri Zubek | Oct 27, 2019
One of the big decisions everyone faces is buy now or wait? The media is starting to trumpet the bursting of the bubble in home prices and the economy in general. How true this is will depend largely on where you are. Undoubtedly, there will be parts of the country...
by Fakri Zubek | Oct 21, 2019
Once you start your search for a home, you quickly discover the importance of competing effectively. Ask your realtor if there are many other buyers in the market. How quickly are homes selling in that neighborhood? Are they selling above asking price? By how much?...
by Fakri Zubek | Oct 12, 2019
Preparing for a mortgage depends on what you do for a living or, in some cases, where you are in life. Regardless of what you do for a living, too much debt will cause you problems when looking to finance a home. First steps So the first step is pay off your loans or...
by Fakri Zubek | Oct 7, 2019
Many would-be home buyers find obstacles to getting their loan and wish there were mortgage solutions. All they hear is “…[you] don’t meet the requirements for a mortgage”. What these lenders are really saying is you do not meet their...
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