(760) 622 5087 fakri@fakrizubek.com
Lower Your Monthly Payment

Lower Your Monthly Payment

If you are like most homeowners these days, you’ve heard that rates have dropped to historically low rates. You can lower your monthly payment by refinancing into a new loan. Keep in mind a few things: When you re-finance a loan there will always be fees...
It’s Still A Great Market

It’s Still A Great Market

In spite of the Shelter In Place order this is a great market to find and buy a home. While some sellers have decided to wait and see, others wisely have kept their home for sale. Why do I say this is a wise move? As with the holidays, the current Covid-19 lockdown...
Forbearance

Forbearance

Forbearance is a word that is frequently in the news these days. It is being used specifically regarding your home loan obligation. It should not be confused with forgiveness or with deferral. Let’s look at all three. Forbearance Forbearance simply means that what...
Fixer Upper Homes

Fixer Upper Homes

One thing there never seems to be a shortage of are fixer upper homes. While there are many more older homes than new construction, the amount of work they need will vary greatly. As you can imagine, cosmetic fixer uppers are in great demand. A coat of paint and some...
Reduce Spam

Reduce Spam

This article comes to us from the experts at Advantage Credit. It details how you can reduce spam related to your credit, perhaps even avoid it. Trigger Leads The first step in obtaining a mortgage is always going through the application process. You’ve found...
The Housing Market

The Housing Market

These days the housing market is characterized by fewer homes for sale receiving more offers in a shorter period of time. As the chart shows, this true of California as a whole and it is also true of some parts of San Diego county. There are still opportunities to buy...
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,...