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  • About
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    • Blog

      • Why Move to North Park, San Diego?
      • Why Credit Karma Scores Differ From FICO Scores
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      • Costa Verde Strip Mall Revitalization Project Approved
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Millennial Slowdown

May 7, 2018 by Maureen Martin

San Diego Mortgage Lenders

Homeownership was crawling slowly back from its record low two years ago, but it just stalled, and the youngest homebuyers are behind that. Millennials had been driving the nation’s overall homeownership rate, showing the biggest gains throughout 2017, but they dropped back in the first quarter of this year. Homeownership Roadblocks for … [Read more...]

Filed Under: Home Ownership, Home Sales, San Diego Lender

Picking Up the PACE

April 13, 2017 by Maureen Martin

San Diego Mortgage Lenders

bill aimed at regulating loans created by the Property Assessed Clean Energy (PACE) program is making national industry headlines. The PACE Act of 2017 aims to amend the Truth in Lending Act, a chief regulation governing big banks and mortgage companies, to include PACE lenders. If the bill is passed, PACE lenders would be forced to disclose to … [Read more...]

Filed Under: Government Programs, Home Loans, Home Ownership, Mortgage insurance Tagged With: California housing market, home loans, home ownership, mortgage, pace, property assessed clean energy

Spring Buying Season is Sweet and Sour

March 8, 2017 by Maureen Martin

San Diego Mortgage Lenders

The divide between the prices of homes Americans want to buy and the inventory of such homes is growing, suggesting first-time home buyers and high-end sellers might have a difficult year ahead of them. The result is likely to be swiftly rising prices at the low end and challenges for first-time buyers, and sluggish price increases and lingering … [Read more...]

Filed Under: First Time Buyers, Home Ownership, Home Sales, Housing Market, San Diego Lender Tagged With: 1st time home buyer, buying home in san diego, California housing market, home buyer, home ownership, housing market, mortgage, Mortgage Rates, spring

The California Housing Crisis

February 10, 2017 by Maureen Martin

San Diego Mortgage Lenders

The backlash comes as California’s lack of housing supply is becoming a crisis. A postwar building boom gave birth to a labyrinth of freeways and sprawling suburbs, and between 1980 and 2010, coastal metro areas in California added new housing units at about half the rate of the typical U.S. metro area. Our golden state of California seems to be … [Read more...]

Filed Under: Home Ownership, Home Sales, Housing Market, San Diego Lender Tagged With: California housing market, home buyer, home ownership, home sales, housing availability, housing crisis, housing market

2017: The Focus Ahead

February 6, 2017 by Maureen Martin

San Diego Mortgage Lenders

Some shocking numbers have just come in. It has been reported that total housing inventory dropped 10.8% in December to 1.65 million existing homes available for sale, the lowest level since the National Association of Relators (NAR) began tracking housing supply in 1999. Inventory decreased 6.3% from last year and has fallen for 19 consecutive … [Read more...]

Filed Under: First Time Buyers, Home Ownership, Home Sales, Housing Market, San Diego Lender Tagged With: 1st time home buyer, FHA loans, home buyer, home ownership, home sales, housing affordability, housing market, inventory, mortgage, Mortgage Insurance, NAR

The Great Divide

January 13, 2017 by Maureen Martin

San Diego Mortgage Lenders

Urban areas have benefited in recent years from an influx of younger workers seeking high-paying jobs. At the same time, land-use regulations have constricted supply, helping drive up prices. While the wealthiest homeowners had a rocky ride during the past decade, their homes have recovered most or all of the value they lost during the … [Read more...]

Filed Under: First Time Buyers, Home Ownership, Housing Market, Interest Rates, San Diego Lender Tagged With: 1st time home buyer, California housing market, home buyer, home loans, home ownership, home prices, home values, housing market, interest rates, mortgage lender, Mortgage Rates

Virtual Reality for a Seller’s Market

January 10, 2017 by Maureen Martin

San Diego Mortgage Lenders

Sellers in the current housing landscape often have the luxury of listing their homes “as is” without fixing it up or with only minimal window-dressing since demand for homes has been high and inventory low. It’s common for sellers to receive multiple bids, and in the hottest markets, sell for over asking price. An inventive idea is just the jolt … [Read more...]

Filed Under: Home Ownership, Home Sales, Housing Market, San Diego Lender Tagged With: California housing market, home buyer, home ownership, home selling, housing market, seller's market, selling a house, virtual reality

Shifting Demographics: A New Norm

November 15, 2016 by Maureen Martin

San Diego Mortgage Lenders

The quickening pace of home sales over the past year included a small rebound from two key segments of buyers who have been missing in action in recent years: first-time buyers and single women. A new normal means interest rates will be staying low – well below 5% for the next several years – amid shifting demographics bringing homebuyers to the … [Read more...]

Filed Under: First Time Buyers, Home Ownership, Housing Market, Interest Rates Tagged With: 1st time home buyer, home buyer, home loans, home ownership, homeownership, housing market, Mortgage Rates

Declining Housing Affordability & the California Economy

November 10, 2016 by Maureen Martin

San Diego Mortgage Lenders

For the first time in nearly a year, declining housing affordability topped lack of inventory as realtors’ number one concern, with 26% stating they were concerned about low housing affordability. However, worries over a tight housing supply were not too far behind, with 19% indicating their concern. Looking toward 2017, the California realtor … [Read more...]

Filed Under: Home Ownership, Home Sales, Housing Market, San Diego Lender Tagged With: 1st time home buyer, california economy, California housing market, home buyer, home loans, home ownership, housing affordability, housing market, inventory

It’s A Revolution: Millennial Buyers

November 4, 2016 by Maureen Martin

San Diego Mortgage Lenders

Millennials are finally expected to unleash their buying arm in 2017. They are predicted to make up 61 percent of first-time home buyers under age 35 in the new year. The top motivators getting millennials moving now are getting married or moving in with a partner, growing tired of their current living space, and planning to increase their family … [Read more...]

Filed Under: First Time Buyers, Home Ownership, Home Sales, Housing Market Tagged With: 1st time home buyer, home buyer, housing market, millennial buyers, millennial home buyers, millennials

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