Home Buying 101

How do I Choose the Best San Diego Mortgage Broker?  Finding the best San Diego mortgage broker to help you purchase that perfect dream home should be an easy process, but there are many aspects to consider and not all mortgage brokers are ethical.  You definitely don’t want a broker who can turn your mortgage [...]

If you are considering buying a home for the first time, or it has been more than a few years, you may be wondering, “What are the steps to getting a San Diego Home Loan?” Well, you are in luck because this article will detail step by step the process of obtaining San Diego Home [...]

If you are looking to buy a home in San Diego, one of the first things you will want to ask your San Diego Mortgage Broker is: “What are my closing costs going to be”. This will be an important factor in determining the maximum purchase price you can afford. As you are in the [...]

When you are in the middle of obtaining a San Diego Mortgage, whether it is for a purchase or refinance, it is important to not take any actions that will jepordise it.  I have seen and heard of many instances over the years where clients are in the middle of a San Diego Home Loan [...]

Can I Qualify for a Loan Based on my Income? One of the most important steps in being able to determine if you qualify for a San Diego Home Loan is to calculate your debt to income ratio (DTI).  The debt to income ratio tells an underwriter if you earn enough income to be able [...]

Many times buyers will ask me to explain the differences between pre-qualification and pre-approval and which one positions them better to get a San Diego Home Loan for their new home purchase.  I will explain each one below and let you know which one, in the opinion of this San Diego Mortgage Broker, puts you in [...]

Are you shopping around for the best Mortgage Broker in San Diego to help with your home loan? Here’s the “Inside Scoop” on how to do it right! First, make sure you are working with an experienced, professional San Diego Mortgage Broker or banker. A home loan is the largest financial transaction of your life [...]

The American Taxpayer Relief Act of 2012 was passed on January 1, 2013. The ATRA included a benefit for those who have or will choose a Low Down Payment Loan in San Diego with Mortgage Insurance. Borrower-paid Mortgage Insurance (MI) premiums are now tax-deductible through 2013. They have also been made retroactively tax deductible for […]