When pouring over your mortgage application, there are many factors that lenders and agents consider. Credit scores are probably the most famous, but there are other factors to review, including a borrower’s “DTI,” also known
There are many insurances that you’ll almost certainly use. Dental insurance, for example, is utilized by practically everyone with a policy. Vision insurance is also used by practically all who have a policy. Healthcare insurance
No one takes out a mortgage with the intention of not paying. But life happens, and sometimes, for a variety of reasons, we struggle to make timely payments on loans, including our home mortgage. One
When you enter into a contract to purchase a home, you and the seller will both sign a contract. This contract does not mean you have to purchase the home, as the home inspection and
It’s no secret that interest rate matters to the total affordability of your loan. Borrowers, lenders, real estate agents, lending professionals; everyone in the mortgage and real estate industry is aware that interest rates matters.
There are many choices to make in homeownership. Where should you buy a house? What mortgage loan should you use? How much of your income should go towards a mortgage payment? When you finally do
What is the cost of renting vs owning a house? This article will look at recent information and take a fresh look at this well-established question. There comes a time, in virtually everyone’s life, when
When considering a conventional loan in San Diego, you should understand this form of financing, including the advantages and disadvantages for these mortgages. This article will explain what a conventional loan is and how it
It’s no secret that the San Diego real estate market is red hot. Homes are selling at a lighting pace and bringing prices that continue to break records. A recent report from NBS San Diego
A recent article from The Orange County Register discussed the “housing frenzy” that is driving home prices upward. It made the well-established argument that buyer competition and low inventory are making it increasingly difficult to
Part of being a responsible and successful homeowner and borrower is understanding what goes into your mortgage. While you may not need to track the route of every single penny, it helps to understand the
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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