Where Do Most People Want to Live?

If you could live in any state, except the one you live in now, what state would you choose to live in? The Harris Poll has asked this question every year since 1997. While California tops the list of most popular states to live in among Echo Boomers (now ages 18 to 33) and Gen […]

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 […]

Low Rates: Good for Buyers and Good for the Economy

The California housing market edged its way forward in August as lean inventory lifted the statewide median price while sales improved slightly. The median price for the month was $318,660, up 1.2 percent from the July median of $314,850 and 8.6 percent higher than the year-ago median of $293,400. Read Report

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 […]

Conserve with Energy Efficient Hot Water Systems

Hot Water Heaters The energy needed to warm your water can account for a significant part of your monthly utility bill. However, there are several steps you can take to improve the efficiency and control the cost of your water heater. Water heating costs are affected by the type of water heater you have, its […]