Should I Buy
Should I Buy In 2023 It’s true. Buying a home is a life-changing decision — and one no one should take lightly. If you’re thinking of buying, my advice is to gather as much info as you can from industry experts like me! Top of the list is getting prepared by securing a mortgage (Pre-approval). Then……
Read MoreFrequently Asked Questions
Frequently Asked Questions FAQ: What are the hidden costs of buying & owning a home? Great question! While these are estimates, they will give you a good idea of what to expect: • One-time closing costs estimate: 2% of the home’s purchase price. • Annual property taxes: 1.25% of your home’s value, unless there’s Mello…
Read MoreNew Year New Opportunities
New Year New Opportunities New Year New Opportunities is a great way to start 2023. The start of a new year is the perfect time to take advantage of real estate buying opportunities and to make positive financial changes in your life. Working with the right mortgage banker is a great way to do just that. As a broker and…
Read MoreChula Vista Mortgage Loans
Chula Vista Mortgage Loans I’m a mortgage banker whose been serving the City of Chula Vista residents with their mortgage needs for over two decades. As a native Chula Vista resident, I know the city very well and have seen it grow substantially over the years. I can honestly say, Chula Vista is a great…
Read MoreVeterans Invest Your BAH in Chula Vista Real Estate
Veterans Invest Your BAH in Chula Vista Real Estate Basic Housing Allowance and buying real estate When it comes to your income and purchasing power, active-duty Veterans receive BAH income which can be used to qualify for a home purchase. BAH is the single most powerful allowance to help you pay your mortgage payments. With…
Read MoreLow down payment loan programs
Low down payment loan programs We offer low down payment loans in Chula Vista, Riverside, and San Diego County. There are many loan programs which we offer that require little to no money down. Below is a brief list of loan programs and their minimum down requirements: *VA loans require $0 down payment *FHA requires…
Read MoreFHA Home Loans
FHA Home Loans FHA home loans are a great loan program for those with little down or with some past credit events. FHA home loans are insured by the Federal Housing Administration and offer a lot lower interest rates than a Conventional loan. Qualifying for an FHA home loan is easier than one would think…
Read MoreDo I qualify for a home loan
Do I qualify for a home loan Do I qualify for a home loan? I’m sure you or someone you know have asked themselves this question. Over the past 21+ years I have been helping borrowers all over Chula Vista and San Diego find the answer to this common question. Qualifying for a home loan…
Read MoreVA Loan Requirements
VA Loan Requirements VA loan requirements are not as stringent as other loan programs. Whether you’re an active-duty Veteran, out of the service, or retired; we’re able to help you secure a VA loan. Below are a few of the basic requirements: *Minimum 580 credit score *Have a Certificate of eligibility (If not yet requested,…
Read MoreOur Team of Chula Vista VA Loan Experts Are Here To Help
Your Local VA Loan Experts Our Team of Chula Vista VA Loan Experts Are Here to Help! The VA loan is a loan product which allows for the purchase of a home with no money down, we offer competitive interest rates, and no lender fees. Below is a brief outline of the process: How…
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