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  • About
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      • Why Move to North Park, San Diego?
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      • Costa Verde Strip Mall Revitalization Project Approved
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Spring Buying Season & The Millennial Shift

May 12, 2016 by Maureen Martin

Millennials are the first generation to come of age in the post-recession housing market in a relatively positive light. Yet the No. 1 barrier to entry for young, would-be homebuyers? Credit. "The mortgage industry is poised to experience a monumental shift as more millennial homebuyers begin to enter the market," said Joe Tyrrell, executive vice … [Read more...]

Filed Under: Credit, FHA Loans, First Time Buyers, Home Loans, Home Ownership, Home Sales, Interest Rates, San Diego Lender Tagged With: 1st time home buyer, credit score, fannie mae, fha, FHA loans, home buyer, home loans, home ownership, housing market, loan, mortgage, Mortgage Rates

The Drop of Housing

February 17, 2016 by Maureen Martin

We are well into February and starting to see a seasonal housing drop. We’re experiencing the lowest levels in three months, shedding light on the limit of gains possible within residential real estate in early 2016. Housing saw a drop of 3.8% (1.1 million), down from 1.14 million the month prior. Like most things in real estate, there are many … [Read more...]

Filed Under: Credit, Home Ownership, San Diego Lender Tagged With: credit score, home buyer, home loans, housing market, job market, residential real estate, San Diego mortgage

San Diego Interest Rates

November 11, 2015 by Maureen Martin

On Thursday the National Association of Realtors said the share of first-time buyers is at the second lowest level in over 30 years. The 2015 Profile of Home Buyers and Sellers reveals a home buying market driven by repeat buyers within two income households. Historically, first-time buyers constitute nearly 40 percent share of primary home … [Read more...]

Filed Under: Credit, First Time Buyers, Home Loans, Interest Rates, Mortgage Pre Approval, San Diego Lender Tagged With: 1st time home buyer, credit score, High Debt to Income Ratios, interest rates, mortgage, Mortgage Rates

What’s Up With Ben Bernanke Not Being Able To Refinance His Mortgage?

November 18, 2014 by Maureen Martin

What's Up With Ben Bernanke Not Being Able To Refinance His Mortgage? Anyone who has watched the news lately will be surprised to see that Ben Bernanke, the former chairman of the Federal Reserve is unable to refinance his mortgage. While this may seem as a bad joke, it is actually the result of strict regulations set by the government owned … [Read more...]

Filed Under: Credit, Home Loans, Refinance Tagged With: mortgage, mortgage refinance, Mortgage Refinance rates, San Diego Refinance Rates

The Dos and Don’ts of Mortgage Credit

October 27, 2014 by Maureen Martin

It’s no secret that mortgage lending is perceived as tight among borrowers. So if you’re looking to purchase a home, you’ll want to avoid any misconceptions that can impact your ability to qualify for a mortgage. There are plenty of credit myths floating around. According to a recent TransUnion survey, 48% of respondents believed that their rental … [Read more...]

Filed Under: Credit Tagged With: credit cards, Credit restrictions, credit score, loan, seller credit

Will FICO Changes Rock the Housing Market?

August 30, 2014 by Maureen Martin

Fair Isaacs Corp., a credit-scoring company more commonly known as “FICO,” is used by mortgage underwriters to help determine credit risk when reviewing applications. FICO scores range from 300 to 850—with a higher score typically resulting in a lower interest rate. FICO just announced there are some changes in the works. Beginning this fall, … [Read more...]

Filed Under: Credit Tagged With: Credit restrictions, credit score, home loans

How To Shop For A Mortgage

November 22, 2013 by Maureen Martin

Credit Check First, you should check your credit well before you begin hunting for a home, and work to increase your score if needed, or dispute errors on your report, since those can take time to rectify. You’re entitled to a free credit report from each of the three bureaus (Experian, Equifax and TransUnion) once a year. If there are errors, fix … [Read more...]

Filed Under: Credit, First Time Buyers, Home Loans, Interest Rates, Mortgage insurance, San Diego Lender Tagged With: 3.5% down, conventional financing, credit score, fha, home loans, mortgage, mortgage broker, mortgage calculator, Mortgage Insurance, mortgage lender

How To Compare San Diego Mortgage Rates

September 12, 2013 by Maureen Martin

Mortgage packages consist of more than interest rates. They consist of a quoted rate, points and closing costs. Points Points are an up-front fee paid to the lender at closing. Each point equals one percent of the loan amount. Points are charged, or paid, to lower or increase the rate on the loan. Most lenders will allow you to choose amongst a … [Read more...]

Filed Under: Credit, Home Loans, Interest Rates, Mortgage insurance, San Diego Lender Tagged With: conventional financing, loan, mortgage, mortgage broker, mortgage calculator, mortgage lender, San Diego, San Diego County

FHA Loan Requirements – What You Need To Know

September 4, 2013 by Maureen Martin

The Federal Housing Administration (FHA) provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes, as well as FHA approved condominiums, in the United States and its territories. FHA insured loans require mortgage insurance to protect lenders against losses that result … [Read more...]

Filed Under: Credit, Debt to income ratio, Home Loans, Interest Rates, Loan to Value, Mortgage insurance, San Diego Lender Tagged With: 100% Financing, approval, conventional financing, escrow, fha, High Debt to Income Ratios, High Loan to Value, home loans, lenders insurance, loan, mortgage, Mortgage Insurance, pmi, San Diego, San Diego County

Mortgage Approval Process FAQs

June 27, 2013 by Maureen Martin

As a preliminary step, you should get pre-approved by a reliable lender before searching for a home. Documents Needed to Apply for a Home Mortgage To apply for a home mortgage, you will need to provide your lender with documentation, verifying your employment history, credit, and overall financial situation. If you are applying with someone else … [Read more...]

Filed Under: Credit, Home Loans, Interest Rates Tagged With: approval, Credit restrictions, credit score, home loans, loan, mortgage, mortgage lender, San Diego

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