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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Toys for Joy is an annual event, founded by Miles McPherson, the Senior Pastor of the Rock Church, founder of Miles Ahead and author of Do Something! Make Your Life Count. Christmas is a time for celebrating. For some, it is a time of plenty. However, many right in our town, will not know the incredible blessings […]
Continue reading …Ever Wonder What Happens During a Home Loan Approval Process? There are many steps that go into the loan approval process when applying for a home loan. Below I will list out just some of the many steps a loan goes through from start to finish: First you make your application by providing the lender […]
Continue reading …Today’s underwriting rules can be fairly stringent on which income can be counted and how it is calculated. For example, income such as overtime, commission and bonus income must have a 2 year history of receipt and your employer must state that it is likely to continue in order to be included in qualifying for […]
Continue reading …As of this writing, there are various down payment assistance programs available. Various programs are funded by different sources and you do have to be careful as different programs can run out of funding (money) at different times. Some of the primary sources are local cities and state backed assistance. Most down payment assistance programs […]
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The Patriot Act was passed in 2001. The majority of Americans agreed it was a good idea. After all, the purpose of the legislation was to identify both foreign and domestic terrorists by tracking the movement of their financials. What many may not realize is how that has impacted the home loan process. Lenders will […]
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The Carmel Valley real estate market continues to be one of San Diego’s most stable and strong neighborhoods. Driven by a growing employment base, excellent schools and abundant community amenities. Felicia Jerbasi | 10546 Gaylemont Lane, San Diego, CA 92130 David Albarian | 12684 Carmel Country Rd #10 San Diego, 92130 Kathy Mayo […]
Continue reading …Bank of Manhattan is a community bank based out of Manhattan Beach. We are the home lending office in Carmel Valley and carry forward the high customer service and local community feel that community banks offer. We have an amazing team that each individually offers over 12 years of experience. I myself have over 22 […]
Continue reading …The Carmel Valley real estate market continues to be one of San Diego’s most stable and strong neighborhoods. Driven by a growing employment base, excellent schools and abundant community amenities. Welcome to our very own Carmel Valley, San Diego community “Lifestyle Tours!” You’re about to see on the spot conversations with real estate professionals in […]
Continue reading …The Carmel Valley real estate market continues to be one of San Diego’s most stable and strong neighborhoods. Driven by a growing employment base, excellent schools and abundant community amenities. Welcome to our very own Carmel Valley, San Diego community “Lifestyle Tours!” You’re about to see on the spot conversations with real estate professionals in […]
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The Importance of Getting Pre-Approved by an Experienced Loan Officer. Have you heard a friend or co-worker’s story about trying to buy a home and then losing the home in the middle of escrow? Do you wonder how that happens and how to protect yourself from having it happen to you? There could be numerous […]
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Considering a divorce brings up many questions, including questions about how to divide assets. “Divorce is nearly always emotional and determining what to do with the marital home can be one of the most emotional issues in the divorce. The marital home is oftentimes the highest valued asset to deal with in a divorce. To […]
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