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Buying A Home

Buying A Home

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...
The Importance Of Credit

The Importance Of Credit

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...
Buying out of season

Buying out of season

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,...
Being The Winning Bid

Being The Winning Bid

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,...
Self-Employed Mortgage

Self-Employed Mortgage

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...
Benefits of Home

Benefits of Home

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...
Buy now or wait

Buy now or wait

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...
Competing Effectively

Competing Effectively

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?...
Preparing For A Mortgage

Preparing For A Mortgage

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...
Mortgage Solutions

Mortgage Solutions

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...