The main service I provide is helping home owners purchase real estate. Whether it’s your first home, a second vacation property or an investment, I can help.
Start your home search by understanding exactly how much you qualify for, what that payment is each month, and the current rates.
Lower your monthly mortgage payment or reduce your rate through refinancing. Save money by improving your rate and or terms.
Use your home's current equity and pull out cash for renovations or you next vacation or open up a line of credit directly using the wealth you've already built in your home.
There are so many down payment programs in California it's impossible to navigate them on your own. Speak with me today. I have a wealth of experience in down payment assistance and I stay up to date on the latest programs for home buyers.
Already pre-approved but want to shop the rate and see if you can beat it? No problem contact me today and provide a copy of the current quote and I'll do my best to beat the rate and terms.
Helping our clients understand how their credit score affects their home loans is a huge part of the job and my pleasure! I can review your credit with you and provide some tips on what has worked with other clients in the past. I can also provide a great referral for a credit repair company should you need one.
Contact Ron for the best rate possible.
With over a dozen different programs in San Diego County. I can help you figure out which ones right for you! Check out San Diego Down Payment Programs Here.
We keep your information private and confidential. In fact, you won’t ever get a call from any one other than me or one of my assistants. We comply with all legal laws and Mortgage Division Requirements. NMLS#974839
Each client is different but as a rule of thumb I encourage my clients to get their middle credit score to at least 620.
One of the biggest questions and misconceptions I get is about the down payment. You do NOT need 20% downpayment. You can buy with little to no down payment.
It depends on how much you want to qualify for. I’ll also review your debt to income to determine up to how much you can purchase. Typically, you need a salary upwards of at least $50k to buy anything decent in San Diego. Again, each client and situation is different.
Sometimes we can do a rapid rescore on your credit to help improve your score. It depends on which accounts are causing the decrease in your score. I typically will evaluate your credit with you on our first call and I can provide any tips that’ll help in qualifying you.
