I've been getting several calls over the past week from clients curious whether or not their taxes were impounded in their loan because they just received a tax bill from the county assessors office. I thought that it would be a good idea to send out an email breaking down how it all works. :) Here's what you need to know: Your first installment … [Read more...]
The Importance of a Living Trust
You've got the home. You've got the mortgage. You've got homeowner's insurance. Now that you're a homeowner, it's time to protect what may be your largest investment. A living trust is an essential legal document that you create to hold title your home-- and perhaps other assets as well. Living trusts avoid costly, time-consuming probate of … [Read more...]
1st Time Home Buyer Program
Are you a first time home buyer? I love first time home buyers because I understand just how stressful the home buying process can be. Not only are you moving into a new home, which is at the top of the stress charts, but you’re actually purchasing something for the most money you’ve ever spent and you’re wondering how does all of this work? I … [Read more...]
Waltz Needs a New Forever Home. Can It Be Yours?
My daily job is to help people get into their new homes. My volunteer job is fostering dogs from http://secondchancedogrescue.org/ while helping them find their forever home. My latest dog in search of his much deserved forever family is: “Waltz” I’ve named him Windell and call him Windy for short, he seems to respond! :) About 5 years old … [Read more...]
San Diego Direct Mortgage Lender
I believe that home loan basics are important and I know that purchasing a home can seem complex but I believe that obtaining a mortgage shouldn’t be. I’ll show you how each stage works and answer any questions you may have regarding details about each of the phases. My goal is to help my clients experience a sense of balance while purchasing a … [Read more...]
Making a Difference, One Family at a Time
I wanted to share with you a heartwarming story that happened this week, right here in San Diego! As a mortgage lender, my primary focus is to get people home, and this week that was taken to a whole new level! It was over a year ago that I got a call from one of my agents, OB Juncal, who told me of a client he had who was looking for a home for … [Read more...]
What is Escrow?
Buying or selling a home (or other piece of real property) usually involves the transfer of large sums of money. It is imperative that the transfer of these funds and related documents from one party to another be handled in a neutral, secure and knowledgeable manner. For the protection of buyer, seller and lender, the escrow process was … [Read more...]
1st Time Home Buyer's Program
Are you a first time homebuyer? I love first time home buyers because I understand just how stressful the home buying process can be. Not only are you moving into a new home which is at the top of the stress charts but you’re actually purchasing something for the most money you’ve ever spent and you’re wondering how does all of this work?? I would … [Read more...]
How Purchase Loans Are Made
A Step-By-Step Walkthrough to get you ready! Loan Search – Buyers should seek the advice of an experienced mortgage professional, like HomePlus Mortgage. They will help determine which financing options best suit their needs today and in the future. (Many get pre-approved regardless if they have found their home, it helps make their search … [Read more...]
FHA Streamline Refinance Charges
Here is an important reminder regarding FHA Streamlines that take effect on June 11,2012, Reducing the MIP (Mortgage Insurance Premium) for those FHA loans being Streamlined with Endorsement dates of May 31, 2009 or earlier. Please refer to HUD Mortgage Letter 12-4 for further information or contact me and I can forward it to you. Effective for … [Read more...]
