First Time Home Buyers

What You Can Do to Improve Your Credit

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following: 1. Check for and correct any errors in your credit report. Mistakes happen, and you could be paying […]

Factors That Decide Your Credit Score

When qualifying for a loan to purchase a new home your credit score is a key factor that lenders consider to determine the rate adn risk of your loan. Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: 1. Your payment […]

10 Ways to Prepare for Homeownership

Basic tips on getting ready to buy a new home in North County San Diego. 1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income. 2. Develop your home wish list. Then, prioritize the features on your list. 3. Select where […]