La Jolla Torrey Pines homes for sale and current mortgage rates 1-31-11 - 01/31/11 07:22 PM
We have La Jolla home and loan info in one place!

La Jolla real estate



La Jolla loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Accurate quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive mortgage lending
January 31, 2011
www.LaJollaHomeandLoan.info
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FHA - how to calculate FHA mortgage insurance and PMI - 01/31/11 05:54 PM

 
How we calculate mortgage insurance (MI) on FHA loans to figure out a monthly MI payment. 
 
What exactly is PMI or MI?  You can view PMI a simple explanation for more clarification.
 
What you will need:
A standard calculator
A piece of paper/pen
A little patience
An understanding of MI factor 
An understanding of UFMIP

Here is the formula - 
Loan amount multiplied by to monthly MI factor divided by 12 equals your monthly MI payment.
MI factor is the number used to calculate the sum.  FHA rules change but as of now these are the … (0 comments)

First home buyers- helpful information part I of IV - 01/30/11 01:03 AM
I have provided some of the most commonly asked questions and helpful information for first home buyers. 
First home buyers have a lot of research on their hands and trying to collect this information in bits and pieces makes the process stressful. 
So many websites claim to have information for first time home buyers but then provide only bits and pieces and force feed their advertisements.
 
The following loans are available for first home buyers:
Conventional loans
Conforming Jumbo loans
Jumbo loans
 
Government insured loans
VA           FHA           USDA

There are specific requirements for … (6 comments)

Carlsbad aviara homes for sale and current mortgage rates 1-28-11 - 01/29/11 08:06 PM
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Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 28, 2011
www.CarlsbadHomeAndLoan.Info

Carlsbad mortgage broker
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Carlsbad homes for sale and current mortgage rates 1-28-11 - 01/28/11 04:20 PM
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Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 28, 2011
www.CarlsbadHomeAndLoan.Info

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Long Beach homes for sale and current mortgage rates 1-27-11 - 01/27/11 10:57 AM
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Long beach real estate



Long Beach loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 27, 2011
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Seller! Is Your Home Dressed Up with Nowhere to Go? - 01/27/11 01:02 AM
 
Andi Grant is the premier agent in Long Beach.  If you are searching Long Beach homes for sale or selling your Long Beach home make sure to talk to Andi first!  She not only has experience in real estate but also years of law experience.  Don't trust this transaction to just anyone call Andi!
 
Via Andi Grant | LONG BEACH, Los Angeles, Downey, Carson Real Estate Blog (310-508-4354 | www.AndiGrant.com):
Today I read two very good articles about overpriced listings. One was titled "Those Two in the Bush May Never be Yours Mr. Seller... Take the One in Your Hand!" written by … (6 comments)

Carlsbad - La Costa Greens real estate and California mortgage rates 1-25-11 - 01/25/11 09:18 PM
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Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 25, 2011
www.CarlsbadHomeAndLoan.Info

Carlsbad mortgage broker
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The power of Active Rain and a good friend - 01/25/11 01:48 PM
Joe Feinhandler is a top producing loan officer in San Diego, newer to Active Rain and one of the nicest people I know.  I always enjoy working with him because he is knowledgeable.  He freely shares with me his methods of success and takes time to help others with their business.  Like I said, he is one of the nicest people I know.
You can’t go anywhere with Joe and not be greeted by someone who knows him.  Realtors, business owners and people at the store, the sincerity in their faces tell the story of a person who has made a … (31 comments)

Carlsbad Aviara homes for sale and current mortgage rates 1-24-11 - 01/24/11 07:44 PM
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Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 24, 2011
www.CarlsbadHomeAndLoan.Info

Carlsbad mortgage broker
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Buying a Home for Sale in Escondido - Get an Inspection (or Two) - 01/23/11 11:30 AM
 
Buying a home for sale in Escondido should be an exciting experience.  Without guidance from a licensed professional could make it stressful.  Melissa Zavala provides one example of why it is important to hire competent Realtor and home inspector.  Birds of a feather flock together.  Get a professional Realtor and odds are their base of professionals they use are also excellent at what they do.
 
Via Melissa Zavala Realtor® North San Diego County Homes (Broadpoint Properties):
 
Dear Melissa:
Recently, my cousin and I started checking out homes for sale in Escondido with a local real estate agent. My cousin’s … (0 comments)

If you think you have what it takes then prove it - 01/23/11 11:13 AM
Do you think you have what it takes?  Can you endure 48 hours of physical and mental stress? 
If you think you have what it takes then prove it by participating in the Tough Mudder competition.
Tough Mudder is held across the US, Japan, Australia and other countries.The winner gets $10,000 cash and bragging rights as the toughest mudder out of approximately 50,000 people who compete.
 
Designed by British special forces aka: SAS this competition will challenge you mentally and physically.  Barbed wire, trudging through waist high mud, scaling walls are just a few of the obstacles in this … (5 comments)

san diego homes for sale and current mortgage rates 1-21-11 - 01/22/11 12:38 AM
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San Diego real estate



San Diego loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 21, 2011
www.SanDiegoHomeAndLoan.Info


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Mission Valley Condos in San Diego — The Bluffs - 01/22/11 12:34 AM
Searching homes for sale in Mission Valley?  Jump onto Jim's website and search all you want.  Today's featured community is The Bluffs.  Take a look and if you like what you see, call Jim because there are only 7 for sale.
Via Jim Frimmer, Realtor and CDPE, Mission Valley, CA DRE #01458572 (Century 21 Award):
Mission Valley Condos in San DiegoThe Bluffs
Mission Valley condo prices have been steadily increasing since February 2009 (almost 45% just in December 2010), so if you enjoy the hassle-free condominium lifestyle, it's time to get into a Mission Valley condo. You can enjoy everything that beautiful … (0 comments)

Carlsbad Calavera Hills homes for sale and current mortgage rates 1-21-11 - 01/22/11 12:19 AM
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Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 21, 2011
www.CarlsbadHomeAndLoan.Info

Carlsbad mortgage broker
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Escondido homes for sale and current mortgage rates 1-20-11 - 01/20/11 10:39 PM
We have San Diego home and loan info in one place!

Short sale Escondido real estate



Escondido loan info: enter your information in our quick quote below. No need to leave personal information. We display mortgage rates for California along with estimated closing costs. Our quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 20, 2011
www.EscondidoHomeAndLoan.info
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What You Can Do About Aunt Bessie’s Chandelier - 01/20/11 10:31 PM
 
Before you write up that listing contract agreeing to the buyers terms make sure to include items attached to your home that you intend to keep.  A good Realtor will have you walk your home and make a short list of items affixed that you plan on removing.  Here is a great example written by Melissa Zavala.
 
Via Melissa Zavala Realtor® North San Diego County Homes (Broadpoint Properties):
Dear Melissa:
I am selling my house and we already have a buyer and are ready to close the deal. My agent stopped by the other day and saw that my husband … (3 comments)

Carlsbad mortgage broker explains junk fees on home loans - 01/20/11 10:27 PM


I'm sure you've heard the term Home loan junk fees

Carlsbad mortgage broker explains: So many things are mistakenly classified as junk fees especially loan fees that are bona fide. I often hear real estate agents using this term to describe fees charged by third party providers on FHA, Jumbo and Conventional brokered loans. Did you know that mortgage loan fees nationwide amount to roughly 109 billion dollars annually? You may wonder why that figure is so high, after all it's just a home loan?


 
 
With each loan that funds there are multiple people … (3 comments)

Carlsbad La Costa homes for sale and current mortgage rates 1-20-11 - 01/20/11 10:24 PM
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Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 20, 2011
www.CarlsbadHomeAndLoan.Info

Carlsbad mortgage broker
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Current jumbo mortgage rates and credit scoring 1-20-2011 - 01/20/11 03:06 PM
High Credit Scoring = Low Jumbo Mortgage Rates
Credit scoring was developed in the 1960s as a means to determine whether or not consumers were likely to repay their loans. The score ranges from 350 to 850 with a higher score being extremely favorable. Essentially, a high credit score translates into lower interest rates for the borrower. There are five factors that comprise the credit score. Payment history accounts for 35% of the score; outstanding credit balances have a 30% impact; credit history makes up 15%, type of credit factors at 10%; and inquiries influence the score by 10%. This … (0 comments)

Cardiff by the sea homes for sale and current mortgage rates 1-19-11 - 01/19/11 08:53 PM
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Cardiff by the sea real estate



Cardiff loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 19, 2011
www.CardiffHomeAndLoan.Info


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Carlsbad Aviara homes for sale and current mortgage rates 1-19-11 - 01/19/11 08:41 PM
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Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 19, 2011
www.CarlsbadHomeAndLoan.Info

Carlsbad FHA broker
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Carlsbad New Homes for Sale - New Homes at Poinsettia Ridge in the Aviara area of Carlsbad - 01/18/11 12:04 PM
 
When it comes to real estate, local businesses or community events Jeff Dowler doesn't miss a thing!  Jeff always showcases local information for Northern San Diego county better than anyone I know.  Below is a post written by Jeff about new homes for sale in Carlsbad.  If you like this info subscribe to his blog!
 
Via Jeff Dowler ~ Carlsbad Real Estate ~ 760-840-1360 (RE/MAX Moonlight Beach (CA DRE Lic. # 01490977)):
Carlsbad New Homes for Sale - New Homes at Poinsettia Ridge in the Aviara area of Carlsbad Buyers in Carlsbad who want new homes for sale will have … (4 comments)

Carlsbad homes for sale and current mortage rates 1-18-2011 - 01/18/11 12:00 PM
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We have Carlsbad home and loan info in one place!

Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 18, 2011
www.CarlsbadHomeAndLoan.Info


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Hiring a contractor - proof of insurance isn't proof - 01/18/11 10:50 AM

 
When hiring a contractor to perform a service on your home, ask for proof of liability insurance. Furthermore you should ask if they are licensed and bonded.  If they are, get a copy of both.  Unfortunately you aren't done yet because proof of insurance isn't proof!  
I have hired contractors to work on my property who have furnished proof of insurance who were not covered due to a lapse in insurance policy.  Just because they have a policy doesn't mean they paid their premium.
Some contractors are behind on their insurance premium payments and their insurance is not in … (17 comments)

Del Mar homes for sale and current mortgage rates 1-17-11 - 01/17/11 02:46 PM
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We have Del Mar home and loan info in one place!

Del Mar real estate



Del Mar loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA (could take a moment to load page)
Fast - efficient - competitive
January 17, 2011
www.DelMarHomeAndLoan.Info

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Oceanside CA building permit application - 01/17/11 02:28 PM
Before you  begin adding on to your existing home you should take a moment to complete this building application.  If you decide to build without a proper permit you may find yourself having to tear down what you've built. 
Furthermore, you will have all kinds of fun when trying to sell your home.  In some cases your addition(s) could be on top of a utility easement which means PG&E has the legal right to make you remove the addition so they can get to the easement.
 
All of these things will eat up your time and money.  Filling out a … (2 comments)

Oceanside homes for sale and current mortgage rates 1-17-2011 - 01/17/11 11:44 AM
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We have Oceanside home and loan info in one place!

Oceanside real estate



Oceanside loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 17, 2011
www.OceansideHomeAndLoan.Info


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Carlsbad Marathon is Sunday January 23, 2011 in Carlsbad CA - 01/17/11 10:49 AM
 
Did you know the Carlsbad marathon is a qualifying marathon for the Boston marathon?  I didn't know this had it not been for Jeff Dowler's post.  Jeff always keeps all of us in the loop with regard to community events, real estate trends, local business and other areas of interest. Stop by and visit his blog.
 
Via Jeff Dowler ~ Carlsbad Real Estate ~ 760-840-1360 (RE/MAX Moonlight Beach (CA DRE Lic. # 01490977)):
Carlsbad Marathon is Sunday January 23, 2011 in Carlsbad CA  The Tri-City Medical Carlsbad Marathon will take place next Sunday January 23, 2011 in Carlsbad, the site … (3 comments)

Carlsbad homes for sale and current mortage rates 1-17-2011 - 01/17/11 10:46 AM
Searching for home and loan info? We have both right here!

We have Carlsbad home and loan info in one place!

Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 17, 2011
www.CarlsbadHomeAndLoan.Info


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San Diego homes for sale and current mortgage rates 1-13-11 - 01/13/11 08:53 AM
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San Diego real estate



San Diego loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 13, 2011
www.LaJollaHomeAndLoan.Info


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Just because property values are down doesn't mean your homeowner's insurance is up to date - 01/13/11 08:44 AM
Jim is reminding us to review our insurance policies every year for many and varied reasons.  I agree with him and suggest you call your insurance agent to go over your coverages.  I also suggest you shop the rate as new business will often get lower rates.  If you are looking for homes for sale in Mission Valley call Jim.  Nobody knows the real estate market in this area better than he does!
Via Jim Frimmer, Realtor and CDPE, Mission Valley, CA DRE #01458572 (Century 21 Award):

Just because property values are downdoesn't mean your homeowner's insurance is up to date
… (2 comments)

Carlsbad homes for sale and current mortgage rates 1-12-11 - 01/12/11 11:11 PM
We have Carlsbad home and loan info in one place!

Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave a lot of personal information. We display mortgage rates for California along with estimated closing costs. We don't play the hidden fee game. Our quotes are accurate and include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 11, 2011
www.CarlsbadHomeandLoan.info
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So sorry I blew your purchase but I'm too busy....to care. - 01/11/11 05:05 PM

Sorry that you invested your time and expense on your clients but right now I have a lot of other files I have to deal with.  Basically they just said: So sorry I blew your purchase but I'm too busy... to care. On more than one occasion this has resonated from loan officers discussing a file "gone bad".  Not completely their fault, they usually work for large institutions that push volume over quality. Hiring the wrong loan officer in a purchase transaction can cost you big.  The buyer, seller, real estate agents and escrow company stand to lose if the … (60 comments)

San Marcos homes for sale and current mortgage rates 1-10-11 - 01/10/11 11:17 PM
We have San Marcos home and loan info in one place!

San Marcos real estate



San Marcos loan info: enter your information in our quick quote below. No need to leave personal information. We display mortgage rates for California along with estimated closing costs. We don't play the hidden fee game. Our quotes are accurate and include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 10, 2011
www.SanMarcosHomeAndLoan.info
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Changes to HAFA Short Sale Program - Will It Never End? - 01/10/11 09:40 PM
HAFA, HAMP...what exactly are these?  I'd better leave this to the expert, Melissa Zavala.  Melissa is the authority when it comes to short sale, foreclosure, loan modification information in the San Diego area.  If you have questions or are considering short selling your home give her a call.
Via Melissa Zavala Realtor® North San Diego County Homes (Broadpoint Properties):
Perhaps you have heard or read complaints about the processing times for short sales through the Federal Government’s HAFA program. Well, in mid-December, the California Association of Realtors® had just about enough of this nonsense and submitted a letter to the Treasury (and … (1 comments)

Mission Valley Condos in San Diego — Mission Greens - 01/10/11 04:15 PM
 
Searching for Mission Valley homes for sale?  STOP!  Take a look at Jim Frimmers post.  Jim spends a lot of time educating and providing key information to his readers and the community.  This important data helps buyers and sellers determine when it is a good time to buy, sell or both.  Right now is a good time to get serious about buying due to the fact that San Diego's real estate market keeps showing signs of improvement.
 
Via Jim Frimmer, Realtor and CDPE, Mission Valley, CA DRE #01458572 (Century 21 Award):

Mission Valley Condos in San DiegoMission Greens
… (0 comments)

Carlsbad San Elijo Hills homes for sale and current mortgage rates 1-10-11 - 01/10/11 01:45 PM
We have Carlsbad home and loan info in one place!

Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave personal information. We display mortgage rates for California along with estimated closing costs. We don't play the hidden fee game. Our quotes are accurate and include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 10, 2011
www.CarlsbadHomeandLoan.info
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Carlsbad Homes for Sale - Carlsbad Real Estate Market Report for December 2010 - 01/10/11 01:36 PM
 
Searching homes for sale in Carlsbad California?  If you are interviewing agents in the Carlsbad area may I suggest you interview the guru?  Jeff Dowler of Remax Moonlight Beach is the only agent I know of that consistently keeps his clients and readers informed of market trends in the Carlsbad area.  This information is critical to helping someone determine when it is a good time to buy or sell and if it is a buyer or seller market.  Have questions?  Contact Jeff.
 
Via Jeff Dowler ~ Carlsbad Real Estate ~ 760-840-1360 (RE/MAX Moonlight Beach (CA DRE Lic. # 01490977)):
Carlsbad … (0 comments)

Sea Country Torrey Hills Ocean View 92130 for sale - 01/10/11 01:31 PM
You can search Torrey Pines homes for sale on the Internet or MLS but make sure you don;t miss this opportunity!  Spectacular ocean views in one of the most highly sought after zip codes in the United States.  Call Dave for more info.
Via David McElveen (Realty Executives):
Sea Country Torrey Hills Ocean View 92130 for sale

Sea Country Torrey Hills Ocean View 92130 for sale
Below comments are not to be deemed accurate. This is a FSBO for sale by owner property. Some of the comments are taken from the Craigs List posting:
http://sandiego.craigslist.org/csd/reo/2144955614.html
Super setting very close to an awesome … (0 comments)

FHA loans - The maximum mortgage amount may be increased - 01/10/11 01:15 PM
The maximum mortgage amount may be increased on an FHA insured loan. A increase generally is allowed when the appraised value is higher than the sales price. 
Only the difference of the value and the sales price can be added to the mortgage amount.  Any remaining costs have to be paid out of pocket by the borrower.
Here are some of the items allowed to be included: Repairs and improvements required by the appraiser as essential for property eligibility.
Repairs included in the appraisal that will be paid by the borrower may be added to the sales price … (2 comments)

La Jolla-Torrey Pines homes for sale and current mortgage rates 1-10-11 - 01/10/11 12:57 PM
We have La Jolla home and loan info in one place!

La Jolla real estate



Enter your information in our quick quote below. No need to leave personal information. We display current mortgage rates for California along with estimated closing costs. Accurate quotes include estimated title, escrow and appraisal fees. Current mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
January 10, 2011
www.LaJollaHomeandLoan.info
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FHA insured loans can be used to buy investment property Part 3 - 01/07/11 02:53 PM

State and local government agencies involved in the provision of housing may obtain FHA insured financing provided the agency meets the following criteria:
 
The agency must provided evidence from its legal council that:
 
The agency has the legal authority and capacity to become the borrower.
That the state or local government is not in bankruptcy.
 
That there is no legal prohibition that would prevent the lender from obtaining a deficiency judgment  (if permitted by law for other types of borrowers) on FHA's behalf in the event of foreclosure or deed in lieu of foreclosure.
Credit reports, … (4 comments)

FHA insured loans can be used to buy investment property Part 2 - 01/07/11 02:49 PM

 
Non profit organizations, state and local government agencies are permitted to purchase properties using FHA financing.
 
They are eligible for the same percentage of financing available on owner occupied properties.
 
Non profit agencies may only obtain FHA insured fixed rate mortgages.  Only an existing FHA mortgage is eligible for rate and term refinancing.
 
Conditions
 
Non profit organizations that intend to sell or lease the property to low or moderate income individuals may use FHA financing on rental property.  The appropriate HOC is responsible for determining the non profit agency's eligibility to participate in FHA … (0 comments)

FHA insured loans can be used to buy investment property Part 1 - 01/07/11 02:47 PM
With permission from the appropriate Home Ownership Counseling Center  aka:HOC, private investors including non profit organizations may obtain FHA insured mortgages for the following reasons:
When the jurisdictional HOC sells the property and permits the purchaser to obtain FHA-insured financing on the investment property.
 
Streamline refinancing without appraisals are designed to lower the monthly principal and interest payments on a current FHA-insured mortgage and the borrower may not receive cash back, except for minor adjustments at closing not to exceed $250.  Streamline refinances can be made with or without an appraisal. 
 
Conditions
1. Adjustable rate mortgages and graduated … (1 comments)

Multiple FHA loans are allowed for relocation, increase in family size and other reasons - 01/06/11 12:48 PM
To prevent circumventing the restrictions of FHA-insured mortgages to investors, FHA generally will not insure more than one mortgage for any borrower unless they meet this criteria:
Relocations. If If the borrower is relocating and will reside in another area that isn't within a reasonable commuting distance from the current principal residence, the borrower may obtain another FHA insured mortgage without being required to sell their existing FHA insured home. The relocation does not have to be mandated by an employer to qualify. If the borrower returns to an area where their home is insured by FHA they do not have … (5 comments)

San Marcos homes for sale and current mortgage rates 1-5-11 - 01/05/11 10:33 PM
We have San Marcos home and loan info in one place!

San Marcos real estate



San Marcos loan info: enter your information in our quick quote below. No need to leave personal information. We display mortgage rates for California along with estimated closing costs. We don't play the hidden fee game. Our quotes are accurate and include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
www.SanMarcosHomeAndLoan.info
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I’m in Short Sale Heaven in 2011 – Learn About Deficiency Judgments - 01/05/11 10:29 PM
Can the bank come after me after a short sale? This is a question I often hear from home owners faced with no other option but a short sale. This is also known as a "Deficiency judgment". Rather than me trying to explain I have re blogged a fantastic post written by the short sale guru for San Diego county.  Nice job Melissa!
Via Melissa Zavala Realtor® North San Diego County Homes (Broadpoint Properties):
What is a deficiency judgment?
Sellers participating in short sales are frequently concerned about a deficiency judgment with respect to their potential short sale or foreclosure. But, what is … (3 comments)

Del Mar homes for sale and current mortgage rates 1-5-11 - 01/05/11 10:24 PM
We have Del Mar home and loan info in one place!

Del Mar real estate



Del Mar loan info: enter your information in our quick quote below. No need to leave personal information. We display mortgage rates for California along with estimated closing costs. We don't play the hidden fee game. Our quotes are accurate and include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
www.DelMarHomeAndLoan.info
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Del Mar Homes for Sale | Del Mar Market Report for December 2010 - 01/05/11 10:16 PM
 
As usual Jeff Dowler is at it again!  Keeping all of us informed about the real estate market trends for Northern San Diego.  Below is a great report that Jeff spent a lot of time creating to help us determine when it is a good time to buy or sell.  If you are a consumer I suggest you speak with Jeff for your real estate needs.  Nobody knows real estate on the North coast of Diego better than he does!
 
Via Jeff Dowler ~ Carlsbad Real Estate ~ 760-840-1360 (RE/MAX Moonlight Beach (CA DRE Lic. # 01490977)):
Del Mar Real … (0 comments)

What Every Buyer Needs to Know in 2011 - 01/05/11 10:06 AM
Larry Bettag is a well respected loan officer with some great advice for any of you thinking about buying a home.  Don't make your decisions lightly.  Take the time to properly prepare yourself for what is likely the largest purchase of your life.  You don't have to be scared- be prepared.
Via Larry Bettag - Cherry Creek Mortgage:
OK....it's officially here!  2011 is not just a number for realtors and lenders, but it's a huge opportunity for consumers.  But there are so many consumers who are unprepared or who just don't know where to start.  For buyers, here's what you need to know:
… (5 comments)

La Jolla homes for sale and current mortgage rates 1-3-11 - 01/03/11 08:47 PM
We have La Jolla home and loan info in one place!

La Jolla real estate



La Jolla loan info: enter your information in our quick quote below. No need to leave personal information. We display mortgage rates for California along with estimated closing costs. Accurate quotes include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive

www.LaJollaHomeandLoan.info
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San Diego - Mission Valley real estate and California mortgage rates 1-3-11 - 01/03/11 08:28 PM
We have San Diego's MIssion Valley home and loan info in one place!

Mission Valley San Diego real estate



San Diego loan info: enter your information in our quick quote below. No need to leave personal information. We display mortgage rates for California along with estimated closing costs. We don't play the hidden fee game. Our quotes are accurate and include estimated title, escrow and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
August 15, 2010
www.sandiegohomeandloan.info
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Out & About San Diego with Jim Frimmer, Your Mission Valley Realtor — San Diego waterfalls - 01/03/11 08:25 PM
I bet you didn't know San Diego had waterfalls now did you?  Thanks to Jim Frimmer and his blog post you now have information on how and where to find them! If you are looking for property in Mission Valley, Jim can definitely help you find that too!
Via Jim Frimmer, Realtor and CDPE, Mission Valley, CA DRE #01458572 (Century 21 Award):


San Diego waterfalls
All the rains in San Diego in December means that there are actually quite a few waterfalls, many of them accessible with a little effort:
Cedar Creek Falls Escondido Falls Kitchen Creek Falls La Jolla … (0 comments)

Carlsbad Aviara homes for sale and current mortgage rates 1-3-11 - 01/03/11 07:50 PM
Searching for home and loan info? We have both right here!

We have Carlsbad home and loan info in one place!

Carlsbad real estate



Carlsbad loan info: enter your information in our quick quote below. No need to leave personal information. We display mortgage rates for California along with estimated closing costs. Quotes include estimated title, escrow, pre paid items, government recording and appraisal fees. California mortgage rates updated every 30 minutes. Conventional - jumbo - FHA
Fast - efficient - competitive
www.CarlsbadHomeandLoan.Info


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Testimonial
Nevin Williams and I have … (0 comments)

Fees that cannot be paid by a borrower on an FHA insured loan - 01/02/11 08:55 PM


I am often asked by my Realtors if a certain fee is allowed to be paid by a borrower in an FHA purchase transaction.  Since this is a frequent question, here is a list of fees a borrower cannot pay:
Sub-Escrow Fee to Title CompanyALTA Endorsement FeesOther Inspection fees not allowedRecording Assignment FeeTitle BinderLoan Tie In FeeTax Service ContractProcessing FeesDocument Preparation FeesMessenger FeesOvernight Delivery FeesBring-Down FeeTax Stamps/City Transfer TaxHomeowners Association Transfer FeesPhoto Fee/Photo Inspection FeeReconveyance FeeCommissionTransaction Coordinator FeePreliminary Change of Ownership ReportThese fees generally are not allowed except with some exceptionsWork or repairs required on an FHA appraisal (unless … (12 comments)

 
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Nevin Williams, San Diego's best mortgage pro!

Carlsbad, CA

More about me…

First Priority Financial, San Diego jumbo & conventional

Address: 5360 Jackson Drive, Suite 220, La Mesa, CA, 91942

Office Phone: (888) 206-5781 x 1017

Cell Phone: (619) 438-0870

Email Me

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Northern California branch-

3700 Hilborn Road #700 Fairfield CA 94534

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5360 Jackson Drive Suite 220 La Mesa CA 91942

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