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...]

Red Flags of Forgery and Fraud in Real Estate

When you come across a "red flag" on a property--something that tells you there may be something fishy going on-- you need to make certain you understand the meaning before proceeding with a real estate transaction, as it could mean fraud or forgery. … [Read more...]

New VA Loan Limits Announced for 2011

The Department of Veterans Affairs just announced new higher loan limits for 2011. These limits apply to the VA Zero Downpayment Loans that close from January 1, 2011 through September 30,2011. The new loan amount for San Diego will be $537,500, a … [Read more...]

Bank of America HALTS Foreclosures Across Country

In a move that came as a surprise to many, Bank of American announced today that it was halting foreclosures nationwide, while it investigates its policies. Within the last few weeks B of A and other lending institutions had made public that they … [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...]

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...]

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...]

Deed For Lease Program To Help Struggling Homeowners

The newest program in the Federal arsenal to help homeowners who are facing foreclosure is called the Deed for Lease program. Created by Fannie Mae, this program will allow homeowners to essentially become tenants in their homes for 12 month periods … [Read more...]

Will Option ARM Resets Cause a National Crisis?

Are we in for a national crisis with option ARMs  resetting in the next several years, or it is all just a bunch of baloney? Option ARMs were the most popular types of mortgage product between 2003 and 2006, as they provided many borrowers who … [Read more...]

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