-
Recent Posts
Recent Comments
- Want to Become a Prepared Buyer? Here’s How « Jeff’s Carlsbad Blog for First Time Home Buyers on What Does a Prepared Buyer Look Like
- What are CC and Rs? « Jeff’s Carlsbad Blog for First Time Home Buyers on What are CC and Rs?
- What Happens if the House I am Buying Does Not Appraise? « Jeff’s Carlsbad Blog for First Time Home Buyers on What Happens if the House I am Buying Does Not Appraise?
- Short Sale Contingencies « Jeff’s Carlsbad Blog for First Time Home Buyers on Short Sale Contingencies
- Home Buyer Solutions on Are You Really Ready to Buy a Home?
Archives
Categories
- Choosing a Realtor
- Closing
- Due Diligence
- FAQs
- Feng Shui
- Financial
- Forms
- General Information
- Glossary of terms
- Homeownership
- Horse Property
- House Hunting
- Housing Market
- Inspections
- Insurance
- Introduction
- Legal Information
- Luxury Homes
- market reports
- MLS FAQs
- Mortgage info
- Neighborhoods
- Offers
- Open Houses
- Personal Stuff
- Psychological Stuff
- Real Estate Disclosures
- Realtor's Job
- REOs
- Short Sales
- Taxes
- technology
- The purchase process
- What do I Buy?
Cool Links
Category Archives: Mortgage info
North San Diego County Down Payment Assistance Programs
My friend CRAIG GRIFFIN at Guild Mortgage is an expert on DOWN PAYMENT ASSISTANCE programs for first time home buyers in the North San Diego County area. He has a new down payment assistance website that is worth checking out … Continue reading
Posted in Financial, Mortgage info
Tagged buyers, down payment assistance, Financial, first time buyers
Leave a comment
FHA Rules are Changing in October and It Will Cost You More
Don’t miss this critical update on the new changes in FHA loans just approved effective October 4 Continue reading
Interest Rates Remain Historically Low
Not everyone is qualified to buy right now, or may not want to. But if you are considering it, know that the interest rates are some of the best we have seen in decades. And we don’t know how long … Continue reading
BEWARE- The Underwriter
The last stage in the approval of your loan is for the lender’s underwriter to review all the documents in the file – your financials, the application, the appraisal and more. The underwriter is the final decision maker on whether … Continue reading
Are You a Contractor or Do You Own Your Own Business?
First Time Home Buyers – If you are a independent contractor or have your own business, be prepared for more grilling as you go through the loan process. The days of no doc loans are gone, and you can certainly … Continue reading
Posted in Financial, Mortgage info, The purchase process
Tagged buyers, Financial, first time buyers, mortgages, underwriting
Leave a comment
Down Payment Assistance Programs in San Diego
First time home buyers can no longer take advantage of the Federal First Time Home Buyer Tax Credit, but if you are in California you CAN take advantage of the first time home buyer tax credit of up to $10K … Continue reading
The Importance of Your Credit Score – What it Is, and What You Can Do to Improve It
Having a strong credit history and score is critical in this buying market, especially since the banks are getting stricter with their lending requirements and the scores that are acceptable. Many folks are not really even aware of their credit … Continue reading
Changes Coming in FHA Loans
Many first time buyers pursue FHA loans because they do not qualify for other conventional loans with higher down payment requirements, issues with credit scores and other issues. Indeed many home sales in the last year have been FHA financed. … Continue reading
New Changes in FHA Mortgages
REad more about the new changes in FHA mortgages announced recently Continue reading
Are Those Occupants Residents or Tenants?
A critical question buyers need to consider when buying a condo in Carlsbad, or anywhere else in San Diego, is “are those occupants residents or tenants?” I don’t mean that we fundamentally care who is living there. The issue has … Continue reading
