* Program designed - first time Homeowers* Strategy *
SUNSTREET Lending,
I am recommending Pam and Kathy at Sunstreet lending because they know finance. I believe they can easily walk you through the processes of obtaining a loan perfect for you. They have the time and patience you need to understand and get the best mortgage for you entirely.
VA, FHA, Conventional. (First time buyer.s etc)
Give them a call. 619-330-6303
* Program designed for Physicians * Strategy *
Bank of America
Link to Physicians Program at Bank of America
Here is a loan solution for licensed and practicing doctors, dentists, medical residents and fellows, and other eligible medical professionals.
Lender Youg Lee, NMLS ID# 796669, is fully experienced working with the Physician Program. Mr, Lee fully understands how to work with the RPA (Residential Purchas Agreement) contract in the San Diego Market. I recommend him, but I do not receive compensation from any lender.
Mr. Lee’s Direct 949-516-6662. Mobile 949-482-5045
Union Bank Private Mortgage La Jolla office
Mr. Sheffrey is very knowledgeable and easy to work with. He is highly recommended.
Lending Products
Jumbos, 40-year Interst Only, many programs, just give him a call.
Mortgage Rates Today including MOrtgage BANKERS - Planning
Prosperity Home Mortgage.
The good folks at Prosperity are recommending Sellers instead of discounting the list price, recommend the seller buy down points ($30K to 50K) Better for both parties. Something to think about.
Ask for Greg Parker at 858-551-3326 Prosperity La Jolla. * Mention my name for preferential treatment.
VA Home Loan Program
Most all banks work with VA loan programs today
But I would recommend Prosperity Mortgage, they have done a great job for my clients. Highly Recommend them.
FHA or HUD government program
Most all banks work with FHA/HUD loan programs today
Find a banker that works in the area where you want to live.
On-Line Bankers (Quicken, loan Monster) or Credit unions
*Warning*
Do NOT use an online banker system. Yes, the rates are lower, but San Diego has some “quirky CCR’s” and incredibly strict contract deadlines.
Online brokers may be difficult to reach at the most important time of the contract. A failed contract could cost you your deposit/earnest money. (And that is 100% on you) Please, use a local lender. Somebody who you can see or give a handshake. You can always refinance later, sometimes with no points down. (Protect your deposit, stay local)
Credit unions are great for Refinancing but can be slow and troublesome on the first mortgage home purchases. (Don’t do it)
Prop 19 Tax benefit Strategy
CA - Proposition 19 Tax benefit. Strategy
I am posting a link to Prop 19 tax benefit. It fixes the loopholes in prop 40 & 60. It's a great deal for people who qualify. Qualify terms like over 55, etc. Check out the link.
Prepan Stratigy - Home Insurance
Get an idea of Home Insurance rates
This link will show the Adverage Insurance cost per county in CA. It's always a good idea to see the cost one county compared to another then shop around. (San Diego is not the most expensive county in CA)
Michael Frey Berkshre Hathaway Website Desk to Home Search s
Michael Frey Berkshire Hathaway HomeServices desktop Home Search. Included Leases also.
Want to stay in CA?
My Berkshire Hathaway HomeServices California online (Desk top) Search site.
Want to get out of CA?
My National Home Search website, if you want to look out of State. Covers all 50 States.
My Berkshire Hathaway websites are very good, I hope you use it.
Primary Home valuation check page
CURRENT MARKET VALUE OF YOUR HOME RIGHT NOW. for Free
The link will forward you to the BHHS “Home Valuation” page; insert your address and email, and in a “Snap,” your free home valuation.
Now consider ∓15% higher or lower price depending on the current condition vs. a staged home. (I can help with this)
Call me. Michael Frey 619-997-1626