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.



4351 Alder Drive San Diego, CA 92116 Classic Kensington 2 Bedroom Home Home   Photo Gallery   Virtual Tour   Property Map   Payment Info   Request Showing     Christine Kueneke CA DRE # 01809365 Office: (760) 613-1626 Mobile: (760) 613-1626 Website: Visit Website Price : $710,000 Bedrooms : 2 Ba...
California Property OwnersThe HARP 2.0 Refinance and Required Borrower Benefits  One of the requirements of the HARP 2.0 Refinance is that the borrower must have at least one benefit from the transaction. The Fannie Mae guide is more specific calling the benefit a "movement to a more stable produ...
The HARP 2.0 Refinance - I have been asked this question several times in the last week: I bought my home as my primary residence, but now I rent it out. Can I still qualify for the HARP 2.0 Refinance?  Assuming you meet all of the other criteria (click HERE to read the main guts of the HARP 2.0 ...
San Diego CA - In order to qualify for the HARP 2.0 Refinance, your loan must have been closed and committed/delivered to Fannie Mae (FMNA) or Freddie Mac (FHLMC) prior to June 1, 2009. Fannie's version of the HARP 2.0 Refinance is called the DU Refi Plus. Freddie's version of the HARP 2.0 Refina...
Fannie Mae and Freddie Mac Eligible HARP 2.0 Refinance In-House to 150% LTV San Diego CA - One of the best aspects of the HARP 2.0 refinance is that it is not just for owner-occupied properties. Eligible property and occupancy types for the HARP 2.0 refinance include:  Primary Residence Second Ho...
The HARP Deal 2.0 - Are you underwater in San Diego County California? One of the main changes with the HARP Deal 2.0 is that loan to value (LTV) is no longer limited to 125%.  What is loan to value? Loan to value is your loan amount divided by the value of the home. Previous versions of the HARP...
HARP 2.0 Refinance - One of the best aspects of the HARP Deal 2.0, and the main thing that previous versions of the HARP Deal were lacking, is that the new Loan to Value (LTV) is not capped at 125% of the value of the home.  The first version of the HARP Deal limited the new Loan to Value at 105%...
The HARP Deal 2.0 Refinance, Can You Choose Your Own Lender? YES YOU CAN. A common misconception regarding the HARP Deal 2.0 Refinance is that borrowers can only take advantage of the expanded refinance guidelines of the HARP Deal 2.0 if they refinance through their current servicing lender. This...
The HARP Deal 2.0 - Yes, we are closing Fannie Mae and Freddie Mac eligible HARP Deal 2.0 refinances. And we are closing them in under 30 days.  Here are just a couple of the successful scenarios we have closed, IN-HOUSE, just within the last week alone: Condo with an appraisal, Loan to value 148...
ENCINITAS CA - Great opportunity to own a 4 bedroom 3 full bath home in the Encinitas neighborhood of Cantebria, conveniently located near Flora Vista and Parkdale Elementary Schools.  And guess what, the beach is only a couple of miles away! 381 VIA ALMANSA | ENCINITAS | 92024 | $689,500 | 4 BE...

Kevin Kueneke

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