With one of the nation’s largest concentrations of active-duty service members and veterans, San Diego is a military town. Many sailors, soldiers, Marines, and Guard members are stationed in our city. A fair portion, seeing
In the current real estate market, aspiring homebuyers are looking for any advantage. Homes are selling fast; thanks to a limited inventory, pent up demand, and soaring home prices, buyers are trying a variety of
Is it worth refinancing for a 1%, .5%, or .25% interest rate reduction? This article will help you make the best decision. If you pay any attention to the real estate market or the mortgage
As homeowners, we are often pressured to refinance our mortgage. We see advertisements about falling interest rates and we’re told that if we don’t refinance right now, this “once-in-a-lifetime” opportunity will pass forever. To be
You can have a stress-free closing on your next purchase. It doesn’t have to be filled with frustrations, but with so many details to consider, including neighborhood, square footage, home features, room count, and value
What an exciting time! You have saved a nice pile of money, worked with a lender and a real estate agent, searched the area for top-quality homes, and finally found the perfect place to grow
The Federal Housing Administration is one of the most important government institutions for the real estate and mortgage industry. This organization is involved in many different facets, but their most important and well-known task is
If you are considering a home purchase, either for your own personal use or as an investment, you need to meet with a lot of people. Most know they need to talk with a real
Everyone knows about down payments for purchasing a home, but many don’t understand, or have never heard of, reserve requirements. Every time a lender or bank makes a loan, they assume a certain degree of
Closing costs are an important part of every property purchase. There’s no way to avoid them, but you may be able to reduce the amount you pay. By understanding closings costs, including the various fees
Mortgages can be complicated, with lots of confusing terms and acronyms that seem like they come from another language. But you don’t need to be a real estate agent or a lending professional to speak
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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