Money and Mortgage

Getting Your First Mortgage: Are Your Finances Ready?

First Time Mortgage ApplicationGetting a mortgage to buy a home for the first time is often exciting, but it can also be stressful. If finances are not in order, it can become very difficult or even impossible to get a mortgage that allows for the type and size of home you may be considered, as well.

Fortunately, finances can often be worked on before a mortgage application is completed. But in order to do that, it is necessary to know what changes can and should be made to maximize mortgage opportunities and home buying power. Even simple mistakes can be costly...

The All-Important Connection Between Credit & Your Mortgage

Mortgages and CreditThe prospect of becoming a homeowner seems to be fraught with almost as many questions as it is with excitement. And for most, before getting the keys, they must jump the biggest hurdle: Getting a Mortgage.

Most home buyers know that they need "good" credit in order to qualify for a mortgage, and that they should be pre-approved before looking at homes. What exactly does the term "good credit" mean these days - especially since the housing crisis? How do the changes in lending pertain to your...

Home Sellers Reserve Your Seats Now - Free Home Selling Workshops & Educational Seminars

If you are thinking about selling your home – one of your biggest life investments – you want to get the biggest return for your investment, right? The Daniel Beer Group and our partners are provide you with a series of community learning workshops. The goal is to help educate you on what is currently happening in today’s market that can impact the selling of your home. Knowing how to sell your home for the most amount of money in the least amount of time can mean the difference of tens of thousands of dollars in your pocket.

The comprehensive workshops are sure to provide knowledge that will expose the truth about what truly matters in the high stakes world of home selling. Participants will no doubt leave the workshops...

San Diego Driving - Save Money on Car Maintenance Costs

Some times your car just breaks, other times it’s from years of misuse!  Avoid the five most common “bad car habits” that wear down your vehicle and save thousands in car repair bills:

  1. Running too low on gas: Some auto mechanics say the sediments in your gas tank will be pulled into your system and ruin your fuel injector! The truth is you should fuel up before hitting empty even if those mechanics are wrong.  You’ll prolong the life of your fuel pump because the pump gets overheated easily when it’s pumping from an empty tank.  Average fuel pump repair cost: $450 to $680.
  1. Not using the parking brake: Parking on even a slight incline without a parking brake will stress your transmission.  There’s a tiny pin in the transmission that holds your car still, so stopping the transmission from moving with your parking brake takes the pressure off that delicate part. ...

Approval First, Search Second - Buying Real Estate in San Diego

A crucial element in the beginning stages of a home search when financing is speaking with a lender. As a buyers agent, this piece of information can ultimately dictate which communities and size are recommended as the best fit for a buyer in their San Diego real estate search. We always recommend that potential buyers engage with a lender prior to looking at homes.

Most buyers have a general idea of what price point they would like to focus on however; their desired range may not always be accurate. A buyer’s understanding of the variety of lending programs, percentage down options, and even interest rates can impact what price a buyer will feel most comfortable with. Price points can fluctuate and open the door to additional inventory so that the buyer doesn’t feel they...

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