You’ve made the decision to buy a home, heavily weighed the pros and cons and are now ready to begin the home buying process. But where exactly should you begin? Mark Robertson, of Samuel Scott Financial Group, offers his expertise on how to prepare for buying a home and getting a loan in order to […]
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Purchasing a home is such an exciting process, but it can be slightly overwhelming at times too, especially when you are just starting to learn about all the mortgage options available in today’s market. In order to get a better understanding of two common types of loans, jumbo and conventional, Brian Reynolds of Samuel Scott […]
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In our industry, people often confuse pre-qualification with pre-approval. There is however, a very significant difference between the two. In a purchase transaction, it is important to understand and know the difference so you can avoid needless complications and/or setbacks during the buying process. Please continue reading below… Simply put, a pre-qualification is an estimate of what […]
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“Closing” your home refers to a time period during a purchase transaction, where the contract is executed and the conveyance of title is given to the buyer from the seller. For the buyer, this is a great point in time during the transaction, especially since it indicates that he or she is in the final stages […]
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Samuel Scott Financial Group, a boutique company, has been selected as The Best Mortgage Company in San Diego for the 5th straight year by readers of local publications. Founded by President Todd Pianin and Executive Vice President Brian Reynolds, the compnay is known for its long standing reputation for catering to loan profiles throughout San […]
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The last four years of a challenged economy have resulted in many Americans facing financial difficulties. We now find ourselves in an environment where investments (i.e. real estate, stocks, etc.) have lost value, unemployment has doubled, and overall spending has decreased dramatically. Please continue reading below… The unexpected hardships, such as losing a job, have left […]
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With interest rates hovering around 4%, a figure far beneath average rates, it is no wonder why so many homeowners are taking advantage of the low interest rates and refinancing to save money every month. Another reason why this is an excellent time to refinance your home loan to a lower and more affordable rate, is because […]
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A reoccurring question that we get asked by our clients is, “what is the best loan program for me?” It is very likely that you will one day ask yourself and a Mortgage Advisor the same question. To truly answer this question, we first have to first make sure our clients are familiar with the different types […]
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Despite economic uncertainty, the historic low interest rates make today one of the greatest times to buy a home. The advantages of the extremely low rates far outweigh the advantages of waiting and hoping that purchase prices will go down. For the last 60 years, interest rates have averaged about 9%. In today’s market, we’re […]
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