North County San Diego Mortgage Expert

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Mortgage and Lending - Caliber Home Loans - NMLS#284800
Working in the San Diego housing market over the past 20 years has been interesting and exciting to say the least. Technology has not only changed the way you shop for homes, but also the way you shop for a mortgage. However, this is still a "press the flesh" business and it is important to get to know your Realtor and your lender.

ARCHIVED BLOG POSTS

2011 

Entertainer's delight, Fabulous 3 Bedroom Condo In La Costa Meadowridge. Dare to compare! Stunning La Costa Meadowridge 3 Bedroom condo completely remodeled top to bottom, granite in kitchen and all baths, crown molding, recessed lighting, designer paint, new carpet, new fixtures, light and brigh...
03/16/2011
Owner Occupancy Ratio: the number of owner occupied condominiums in a particular condominium complex divided by the total number of units in the project.  The lower the number, the higher the rental concentration.  Since rental properties are riskier ventures for lenders, i.e., someone in financi...
03/16/2011
Lovely ground floor unit in Rancho Bernardo Oaks North Over 55 Community In San Diego's 92128 (no stairs). This spacious 1,431 square foot Rancho Bernardo Oaks condo has 2 bedrooms plus a den. Large Rancho Bernardo Oaks North living room features a gas log fireplace and views to the north. Locate...
03/15/2011
Lovely ground floor unit in Rancho Bernardo Oaks North Over 55 Community (no stairs). This spacious 1,431 square foot Rancho Bernardo Oaks condo has 2 bedrooms plus a den. Large Rancho Bernardo Oaks North living room features a gas log fireplace and views to the north. Located at 17349 Plaza Mari...
03/15/2011
Unfortunately, the process can also be very stressful. Here are a few things to keep in mind when looking for a home that can help the process go a little smoother and hopefully keep it fun. Firstly, find a real estate professional with whom you connect. Home buying is both a financial and emotio...
03/15/2011
FHA has a nice little niche guideline nicknamed the "Kiddie Condo".  This guideline allows a non-occupant family member (or close family friend) to go on the loan and basically carry the load.  These are full documentation loans and income and debt from all parties are used to qualify, but the oc...
03/14/2011
Spacious immaculate 4 Bedroom home for sale in Carlsbad's Vista Pacifica Near Aviara Oaks Elementary School. Granite countertops and custom cabinets in kitchen, marble countertops in bathrooms, and plantation shutters throughout. This Vista Pacifica 4 bedroom home in Carlsbad Near Aviara Oaks Ele...
03/13/2011
My post: FHA Mortgage Insurance Increase...Have You Refinanced Yet? seems to have driven the point home that now is the time. Remember, lenders will be compensated differently after April 1st, 2011, than they are now and word is that we will lose flexibility in pricing. No flexibility, higher rat...
03/13/2011
Have you ever heard of Senator Henry Mello or Assemblyman Mike Roos?  In 1982, they co-authored the Community Facilities District Act, otherwise known as Mello-Roos. After Prop 13 was passed in 1978, which limits the ability of local governments to use property taxes to construct public services ...
03/13/2011
Not the most fun topic, but chances are you know someone who is facing the challenges of divorce. Going through this process can be emotionally and financially difficult especially when real estate is involved. Failing to address important credit issues, however, will only make things worse. Reme...
03/13/2011
Rainmaker
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Kevin Kueneke

San Diego Mortgage Banker
local_phone(760) 500-1919
smartphone(760) 500-1919
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