While the majority of borrowers use conventional financing for their home loans, sometimes non-conventional financing is a better option… and sometimes non-conventional financing is the only option. In this video, Christian Alvarez, a Mortgage Advisor with Samuel Scott Financial Group, explains the different types of specialty loans that are available for buyers with “out of the […]
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“Hey Coach”, I hear an excited student say as an outwardly shy Anthony Rodriquez walks through the door to the studio lobby. Wearing a tank top, long cargo shorts, socks and sporting one of his ‘signature’ hats and munching down on a Panda bowl, Anthony casually strolls by and I hear a nearby parent say […]
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Private Mortgage Insurance (PMI) is required any time you are financing a loan that is higher than 80% Loan to Value. Or in other words, if your down payment is less than 20% of the home’s sale price. In this video, Mark Robertson, a Mortgage Advisor with Samuel Scott Financial Group, explains Private Mortgage Insurance payments, terms […]
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Dance Hearts’ Bells of Freedom “The Big Thank You” Event Begins November 1st, 2012. Be a part of a Carmel Valley’s Holiday Tradition and ‘adopt’ a Military family for the Holidays TODAY! With the beginning of the Holiday Season just days away, there’s no better time to join the Carmel Valley based Dance Hearts, a […]
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Our brain controls all of our bodily functions. It tells us when to eat, when to sleep, when to breathe. It tells the different parts of our bodies how to work and how to interact with each other. A computer operating system is the equivalent of a ‘brain’ for a computer. Computers are made of different types […]
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Tapas are to Spain what pasta is to Italy, tea is to England, dim sum is to Hong Kong. So what better way to get a taste of España than through an edible tour of the capital city? My advice when in Madrid: a guided night of tapeo, which showcases this Spanish pastime while eliminating […]
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Carmel Valley stands out as San Diego’s finest family neighborhood, defined by its collection of community parks and excellent public and private schools. In the heart of Carmel Valley sits Ashley Falls Elementary School and Park. It has for years been recognized as one of the state’s top schools, with performance scores exceeding 90% in […]
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Recently I read an article and survey by a top recruiter who put an emphasis on first and lasting impressions. Some of the stats are a bit shocking, but I’ve always heard between 30-65% of what people think of us is based on appearance. Confidence is essential, and looking great plays into that as well. Handshake /Posture/ Appearance (33%) […]
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Since Carmel Valley first came to be in the 1980’s, the community has always had Del Mar Heights Road as its natural “equator” line separating the northern and southern neighborhoods. The area to the north was dubbed Del Mar Highlands, because while Carmel Valley was just getting on the map many considered it a natural […]
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Carmel Valley is located in Northern San Diego and is situated in a area that allows for its residents a coastal living lifestyle. Literally minutes away from some of the most beautiful beaches in California, Carmel Valley is a great place to not only spend your summers but to live year round. There is no […]
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The term REFINANCE can be misleading. It doesn’t involve re-working an existing mortgage, but rather taking out a brand new loan. Basically, you will be paying off the old loan with a whole new loan. Which means the refinance process will be very similar to the one you went through when getting your original mortgage. In […]
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This month’s post is dedicated to the moms (and dads) of teenage girls. While we usually complain about this age group’s mood swings, angst-y attitudes and general rolling-of-the-eyes, it’s important to remember that the pressures on young females are complex and intense. Yes, their opportunities for achievement are greater than ever before, but so are […]
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