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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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Try Our New Mortgage Calculator in San Diego

February 20, 2019 by Maureen Martin

San Diego Mortgage Lenders

“How much home can I afford?” “How long will it take me to pay off my loan?” “How much money could I save with this type of mortgage?” “What is the total cost of buying a home?” I get a lot of questions like these daily from clients looking to buy a home in San Diego. And you know what? These are all smart questions to ask. Whether you’re a new … [Read more...]

Filed Under: Mortgage Calculator Tagged With: California, mortgage calculator, San Diego

Why Mortgage Costs May Soon Grow For Many Homebuyers

October 2, 2014 by Maureen Martin

What Is The True Cost of Mortgage Payments? Since the beginning of the housing crisis, in 2008, there have been many up and downs in the housing market. Some potential homebuyers have found it difficult to purchase a home, while others, along with real estate investors and home flippers, have taken advantage of the crisis and had great success. As … [Read more...]

Filed Under: Home Loans, Home Ownership, Interest Rates Tagged With: mortgage calculator, mortgage lender, mortgage news, San Diego mortgage

How To Estimate Your Monthly House Payment

June 12, 2014 by Maureen Martin

If you are planning on applying for a mortgage to purchase a new home but would like to estimate just about what the monthly payment would be for a certain amount, here are a few tips that will help you out. Know the difference between estimate and calculation While you can estimate an approximate monthly mortgage payment by using just a pen, … [Read more...]

Filed Under: Home Loans, Interest Rates Tagged With: approval, home loans, mortgage calculator, mortgage lender, San Diego

How Mortgage Interest Rates Are Determined

March 14, 2014 by Maureen Martin

When you take out a mortgage, the bank as the lender takes a risk. The risks assumed by the lender are expressed in the form of interest rates, and the costs you must pay for obtaining the loan. The calculation of your mortgage interest rate depends on the amount of risk taken by your lender. The interest rate determined for your mortgage is the … [Read more...]

Filed Under: Home Loans, Interest Rates Tagged With: High Debt to Income Ratios, loan, mortgage, mortgage calculator, pmi

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 Qualify for an FHA Mortgage

October 16, 2013 by Maureen Martin

The Federal Housing Administration (FHA) has a loan to help both low- and moderate-income families with purchasing housing. All FHA loans are federally backed, and FHA lenders have been approved by the federal government to service the loans. Requirements Make sure that you meet basic FHA loan requirements. You must be able to meet most, if not … [Read more...]

Filed Under: FHA Loans, First Time Buyers, Home Loans, Home Ownership, Low Down Payment, Mortgage insurance, Mortgage Insurance, San Diego Lender Tagged With: 3.5% down, credit score, fha, home loans, lenders insurance, loan, mortgage, mortgage broker, mortgage calculator, Mortgage Insurance, mortgage lender, San Diego, San Diego County

What Is the Best Mortgage Rate Available in San Diego?

October 5, 2013 by Maureen Martin

You'll need to contact a lender to get your credit scores. You should share your credit scores with other lenders rather than letting each one you contact pull your credit history, because multiple inquiries could lower your scores. Be prepared to answer the following questions before a lender can provide an accurate mortgage rate quote: How … [Read more...]

Filed Under: First Time Buyers, Home Loans, Home Ownership, Interest Rates, Mortgage insurance, San Diego Lender Tagged With: approval, home loans, loan, mortgage, mortgage broker, mortgage calculator, Mortgage Insurance, mortgage lender, San Diego, San Diego County

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

Difference Between a Primary and Secondary Mortgage Market

July 29, 2013 by Maureen Martin

Primary Mortgage Market A primary mortgage market is the market where mortgage loans are originated. Borrowers and lenders meet in the primary mortgage market to negotiate the terms of loans and hopefully enter into lending agreements. Once a loan has been established, it could be sold to another financial institution, by this entering the … [Read more...]

Filed Under: Home Loans, Home Ownership, Mortgage insurance, San Diego Lender Tagged With: home loans, loan, mortgage, mortgage broker, mortgage calculator, Mortgage Insurance, mortgage lender

Comparing Mortgages – Points, Interest Rates and Fees

July 22, 2013 by Maureen Martin

Points A point is a fee equal to 1% of the loan amount. A 30-year, $150,000 mortgage might have a rate of 4% percent, but come with a charge of 1 point, or $1,500. A lender may charge 1 or more points. There are two kinds of points: discount points and origination points. Think of discount points as pre-paid interest, which helps the borrower. … [Read more...]

Filed Under: Conventional Financing, FHA Loans, Home Loans, San Diego Lender Tagged With: approval, conventional financing, Funding Fee, home loans, loan, mortgage, mortgage broker, mortgage calculator, mortgage lender

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