How Affordable is the San Diego Housing Market?

In case you were wondering, or if you have been sitting on the sidelines waiting to purchase a home in San Diego county, here is some fantastic news: housing affordability in San Diego reached a record high last quarter. Combined with other factors, … [Read more...]

Does Lower FICO Score = Lender Loan Discrimination?

Could it be that lenders are discriminating against you if your FICO score is at the lower end of the required range for granting a loan? It could very well be. A series of federal lawsuits is about to be filed, claiming that lenders are purposefully … [Read more...]

Is There Still Value in Home Ownership?

Since the founding of our country home ownership has always been a valuable goal to attain. People bought homes and stayed in them most of their lives, often passing them along to their children. Homes were an important part of our lives--where our … [Read more...]

Congress Approves Extension of Existing Loan Limits

Congress has approved HR 3081, extending existing loan limits through September 30, 2011 for Fannie Mae, Freddie Mac and FHA loans. This means that loans will continue to be guaranteed and insurance programs will remain in place which back loans up … [Read more...]

Important Information for Home Buyers

In the challenging housing market of today, buyers have to be aware of many factors that can make or break their chances of owning a home. Most of these are lender-related, as the lenders scramble to do everything within their power to assure they … [Read more...]

Real Numbers: Renting vs. Buying in Today's Market

Many people are having a difficult time deciding whether to rent or buy right now. Sure the market has been through a downturn and there are likely to be more foreclosures and short sales hitting the market; sure rates are low - some of the lowest we … [Read more...]

Why Should a Buyer Work with a Realtor?

It used to be that only Realtors had listing sheets, that buyers had no access to any sales information, and that an agent was absolutely needed in order to find and see homes for sale. Long gone are those days. Today’s buyers are … [Read more...]

FHA Announces Changes

The FHA has announced it is to make changes that will provide easier access to home ownership for borrowers and strengthen its reserves, allowing it to better manage risks. The changes are expected to go into effect this spring and early summer. They … [Read more...]

Why NOW Might be the Best Time to Sell

In the last weeks of 2009 there were quite a few conflicting stories on the state of the real estate market, and what we might expect in 2010. Several articles claimed that the bottom of the market was reached, that prices were rising and buyers were … [Read more...]

Qualifying for Loans May Get Harder

If you are in the market to purchase property and are counting on getting an FHA-insured loan, you may want to act quickly. First, a quick explanation: the FHA, or Federal Housing Administration, is not a lender, but instead insures loans that are … [Read more...]

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