Scripps Birch Aquarium Offers Amazing Views
Hi there. This is Julie Ozanich, and this is my visit to the Scripps Birch Aquarium. So this is just the front of the building and some of the fish that we got to view inside with the sharks and so forth, and just this amazing view that they offer as a back drop. Definitely […]
Credit scores are comprised of 5 factors. Points are awarded for each component, and a high score is most favorable. There are three bureaus and each one may factor the scores slightly different. Occasionally you may find that some credit information is only reported to 1 or 2 bureaus, instead of all 3. This is […]
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Bike Ride Along Pacific Beach Tower 23. A great place to start your day doing a bike ride all along Pacific Beach, Mission Beach area. Great weather. Great views. Just a great way to unwind. We visited the roller coaster and we also actually had the privilege of seeing a wedding that was just starting […]
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The origin of credit scoring dates back to the 1950’s. The purpose of its design was to provide lenders with financial profiles on consumers who wished to borrow money. The structure of the credit scoring model seeks to reflect the likelihood of an individual to pay off debt without being more than 90 days late […]
Continue reading …People often ask me about how the interest rates impact the monthly mortgage payment for a home. When the interest rate changes, how much of an impact does that have on the monthly payment? You will find that for each eighth of a difference in the interest rate, for example you go from 4.25% to […]
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Have you found that you receive an influx of phone calls or letters in the mail right after you have applied for credit for a home loan or other types of credit? Are you wondering how to protect your privacy when applying for new credit. Did you know that the actual credit bureaus, Experian, Equifax […]
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Do you ever struggle with creating balance in your life between work and play, and family, and kids? Today I want to share with you one of the things that I would like to do to create some balance, one thing that is so much fun is playing golf. I love a challenge. Golf continues […]
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We have just released a new home loan program specifically designed for people who are self-employed. The program allows us to qualify self-employed folks using bank statements instead of the previous year’s tax returns. We take a 12 month history of your deposits that show on your personal bank statements. We can also use more […]
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Hi. Today we’re here in Cielo which is located in Rancho Santa Fe with Bank of Manhattan and we are sponsoring a great event being put on by Fine Magazine. And we have all kinds of vendors from beer, sell a beer, to food, bday food and all kinds of vendors with jewelry and […]
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Think of interest rates and points on opposite ends of a scale. The more that you pay upfront, the higher the points, the higher the closing costs, the lower the interest rate that you would have over the life of the loan. Also vice versa, the fewer the points and fewer closing costs that you […]
Continue reading …Qualities in Choosing a Home Lending partner. Hi there. Have you ever wondered how your Realtor chooses a Carmel Valley home lender that they work with? I’m here with Dena Leber today and I’m Julie Ozanich. Dena, tell us what are some top two qualities you look for when choosing a lending partner. Dena: […]
Continue reading …When you purchase or refinance a home, the average escrow period runs around 30 to 45 days. During this period the lender is going through your loan application and verifying the information that was listed and provided to them. There are a few things that you should be aware of during this process: Be sure […]
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