Dear Reader, 

Welcome to San Diego's #1 rated real estate and mortgage blog penned exclusively by Scott Taylor and jam packed full of actionable insights about buying and selling real estate, mortgage updates, and detailed case studies on how you can buy your next home CHEAPER, sell it for MORE money, and take advantage of little known FREE money grants.

Here's 3 of the most popular mortgage related articles updated for 2017:

My promise to you is each article will be hard hitting and jam packed with "need to know" local San Diego real estate and mortgage information. 

Scott

PS - My team and I have developed the cutting edge process on finding out which programs are best for you, filling out a (quick) online application, running your credit, and giving you the ability to immediately upload all your needed supporting documents for (one of) the fastest processes in the San Diego mortgage business.

April 24, 2018

San Diego's Best 25 Interior Design Companies in 2018

Dear Reader,

Whether you're looking to buy, sell, or get a mortgage loan in San Diego – my team and I keep you updated with all the latest alerts, trends, and up to the minute information you need to know to stay one step ahead of everyone else.

And, this is exactly why we like to compile a list of San Diego's Best so you know exactly which companies to use in case you need drywall installation, new doors, vinyl sidings, or the best electricians in town.

Without further ado – let's jump into our list of San Diego's Best 25 Interior Design Companies in 2018.

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April 22, 2018

San Diego County CA FHA Approved Condos For Sale (2018 Update)

San Diego County CA FHA Approved Condos For Sale (2017 Update)

Dear Reader,

When you are considering a property purchase in San Diego, and you are also looking into FHA loans, there are some things that you need to be aware of. 

One of these is that the rules for FHA approved condos have recently changed. A condo must meet certain stipulations to be eligible for this type of loan. 

Here is a look at these stipulations and everything else you’ll need to know if you are trying to find the best condo for your needs and your budget.

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April 22, 2018

San Diego's Best 25 Pressure Washers Companies in 2018

San Diego's Best 25 Pressure Washers Companies

Dear Reader,

Whether you're looking to buy, sell, or get a mortgage loan in San Diego – my team and I keep you updated with all the latest alerts, trends, and up to the minute information you need to know to stay one step ahead of everyone else.

And, this is exactly why we like to compile a list of San Diego's Best so you know exactly which companies to use in case you have to survey land, design your dream house, improve your garden, or build your house.

Without further ado – let's jump into our list of San Diego's Best 25 Pressure Washers Companies 2018.

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April 22, 2018

San Diego County CA 1031 IRC Tax Deferred Like Kind Exchange

San Diego County CA 1031 IRC Tax Deferred Like Kind Exchange

Dear Reader, 

When it comes to real estate and knowing all the rules that apply or what regulations you need to follow, the whole thing can be pretty confusing.

There are so many programs that you may be able to benefit from, if you can figure out what they are.

Here’s a look at one such program, a 1031 Exchange, and how you can take advantage of this unique tax exchange. 

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April 22, 2018

San Diego Self Directed IRA LLC With Checkbook Control For Real Estate Investing

San Diego Self Directed IRA LLC With Checkbook Control For Real Estate Investing

Dear Reader, 

For those out there that are working on getting their retirement ready for themselves, you may be trying to think of new ways to make your money work for you.

One place that a lot of people like to invest their money is buying real estate.

However, for those that have their retirement saved up and growing in an IRA, it might seem impossible to build up capital in order to invest in real estate.

But there is a way that you can use that money that you’re saving up for real estate investment.

When most people think of an IRA, they think of an account that they pour money into.

They might ask the person or company looking after the account, also known as the custodian, to use that money to buy stocks or mutual funds or other similar investment types.

While this is stable, it is rather slow and might not gain as much money as you might like.

But there is a way that you can make more money with that money that’s holed up in the account that you have created.

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April 20, 2018

San Diego County CA VA Approved Condos For Sale (2018 Update)

Dear Reader,

If you have previously been in the military and are looking for a new home, you may want to check out available condos, when you’re searching for your next address. 

A great thing about condos is that they are easier to keep up with in terms of maintenance, and they are often located in the heart of what is going on in the city.

While they are a little different than traditional houses, they can come with some major perks. 

For example, it’s not too hard to purchase one, if you’re eligible for a VA loan. 

Here’s a look at the process of finding a VA approved condo in San Diego, so you can see if it’s something that may suit your family’s needs. 

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April 20, 2018

Free and Instant San Diego CA Home Seller Valuations (What's Yours Worth?)

Dear Reader, 

Let me ask you a question.

Can you guess what your San Diego home is worth in today's fast moving market?

I ask as things are always changing.

It might have been worth "X" mid or end of summer because it was high time to sell and a few neighbors sold at or above asking -

...but, as soon as the school year starts, the holidays are around the corner, and there are fewer buyers looking - it could just as easily go for 5%, 10%, or 15% less.

Maybe an owner of a house like yours a few doors down lost their job and now need to do a short sale and will drive down comps?

Or, Maybe you are in an area with not many direct comparables and not too far from you a house was listed and sold way above what anyone thought it would - therefore providing a higher cost per square foot than you thought possible?

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April 20, 2018

Case Study: How To Buy a Home in San Diego For $300,000 With $0 Down, $0 in Closing Costs (Out of YOUR Pocket), Getting $23,755.47 in COMPLETELY FREE Money, While Paying $1,975 Per Month...

Dear Reader, 

Today's message will be a case study. 

Much like when I showed you the exact numbers on my last case study where you can buy a $250,000 home or condo in San Diego with ZERO down, ZERO in closing costs, and paying $1,645 +/- per month, - we're going to up the purchase price. 

Even though we're increasing the purchase price $50,000 to $300,000 - you'll see it's very much attainable if you're paying $2,000 a month right now in rent.

And, if you're single, married with no kids, or have roommates - I would even make the argument that if you're paying even $1,000 a month right now yourself - you can still buy a home or condo in San Diego for $300,000 - just get a roommate or two to pay you rent - and you're set.

Depending where you live now - you might think a $300,000 purchase price is cheap - or expensive - but, let's take a look at what that get's you in:

1) East County Homes and Condos 

2) North County Coastal Homes and Condos 

3) North County Inland Homes and Condos

4) San Diego Central Homes and Condos 

5) San Diego Coastal Homes and Condos

6) South Bay Homes and Condos

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April 20, 2018

San Diego 1% Down Conventional Mortgage Loan (2018 Update)

Dear Reader,

The down payment of a home can be one of the biggest hurdles to your purchase, as both new home buyers, and seasoned ones know.

There are many loans, grants, and programs out there that attempt to tackle the issue of the down payment, but none quite like the Conventional 1% Down Payment program.

The Conventional 1% Down Payment is a program that aims to help you get in a home with barely anything down.

The borrower puts 1% percent down, the lender contributes 2% towards the down payment, which gives 3% in equity at closing.

If you have any questions about how this works, please don’t hesitate to ask me – I work as a mortgage in the San Diego area and am more than happy to help.

For those looking for a great option in the San Diego, this loan offers: great low rates, a debt-to-income ratio of 43%, the ability to close in 30 days or less, and is available without monthly mortgage insurance.

This is an entirely new program when compared to the traditional 3% down programs most are familiar with.

It is available in all fifty states, so for those who are lusting after a San Diego home, but couldn’t find the right financing, need no longer worry.

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April 19, 2018

San Diego Extra Credit Teacher Program (ECTP) W/CalHFA (2018 Update)

Dear Reader, 

Being a teacher isn’t easy – that much goes without saying.

Along with all the stress of teaching the next generation, most teachers tend to get pretty unfair pay.

If you are a teacher looking for a home in California, this can be an even more trying experience.

In a place like San Diego, where the real estate market is constantly changing and prices are rising, buying a home on a teacher’s salary can prove to be a nightmare.

Fortunately, there are programs out there that can help.

Whether it is the Sapphire Grant, the Help Grant, the Conventional 1% Down Payment mortgage loan or any of the CalHFA programs, you do not have to give up hope on finding your dream home.

The program I’m revealing today is, in fact, all about teachers and helping get them into the right homes.

From CalHFA comes the Extra Credit Teacher Home Income Purchase Program, or ECTP, that has been designed specifically for teachers, educators, and others involved in the education systems across California.

(For sake of brevity I will call it the ECTP from here on out...)

How does it work?

In essence, an eligible person can apply via an approved lender (or broker, in my case) for the ECTP.

An eligible person would be any current employee that is currently employed in a California K-12 public school, Charter school, county continuation school, or its school district.

You would also have to be a first-time homebuyer, which will be defined a bit later on in more detail, but this basically is someone who has never owned a home or hasn’t owned a primary residence in the last three years, from the time they are seeking to purchase a new home.

Let’s take a look, shall we?

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