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 real estate and mortgage related articles/videos updated for 2018:
My promise to you is each article and video will be hard hitting and jam packed with "need to know" local San Diego real estate and mortgage information.
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.
Licensed in the state of California for both real estate and mortgages, with an emphasis on San Diego.
Okay, now, you're on my website right now.
And I want to shoot just a very quick video.
You’re going to see things like how to buy a home with low income or down payment assistance or closing cost assistance or down payment assistance, first time home buyer.
All these catch phrases; M.C.C. tax credits, the San Diego Housing Commission, blah, blah, blah, blah, blah, right.
It's very confusing.
Here is what I want you to know.
If you make thirteen thousand dollars per year or less, if your middle credit score is a six forty or more and if you've had a full time job for at least two years or longer and you have had pay checks and you've filed your taxes and you have tax returns and W2s and bank statements and pay checks, things that you should probably have anyways.
There's a lot of help out there.
There's a lot of programs, where you can get things like a five percent silent second that turns into a grant that you never pay back.
There is things like a one hundred and four percent financing, where you cover your down payment and part, if not all of your closing costs.
There are things like a one percent down, two percent lender rebate.
There's things like, you can do a seventeen percent silent second if you buy in specific zip codes.
There's things like where you buy zero… like you get the idea, right.
There's a lot of programs and I get it you're on my website, you're reading this article and you’re doing due diligence on this article and study the Housing Commission and how does this work.
It's not your job to do that, it’s my job, okay.
So, here's what I encourage you to do:
if you want to get help with your down payment, if you want to get help with your closing costs, if you make a great income, but maybe don't have a lot of money.
Look below this video, click on the button, it’s going to take you to some forms that you fill out.
It takes you thirty to forty five seconds, literally to fill it out.
You can do it on your phone or on your computer.
Once that's done, I'll have some basic information from you, no social security number needed and you’re going to watch videos just like this one.
Unfortunately, involves me, but you’re going to have to watch those videos, their educational videos.
It’ll talk to you about the GSFA platinum program and what it means.
It’s going to talk to you about the CalHFA program and what it means.
The M.C.C. tax credit program, what it means. We have a Q & A session, so it's like,
“what does this mean? And what does that mean? And what's this? And what's that?”
I’m going to break it down for you as the easiest possible.
Look, you can stay on the site all you want and I want you to look at listings, I want to serve you, I want you to read the articles, I want to get knowledgeable.
But guess? Once you’ve done that for a little while, you could apply for a mortgage in twenty minutes.
I can run your credit for free and I can tell you where to go, you don't have to do that work, that's my job.
So, what I want for you to do, is look below this video, click the link, fill out the basic forms, and watch the educational videos.
You’re going to know what this stuff is, what you need to provide and I’m going to call you up and say,
“look, here's what we can do, do you really want to get started or do you want to continue renting?”
if you do, that’s fine, but if you don't, look below this video to get started.
Thank you so much for watching and I look forward to chatting with you soon.
Licensed in the state of California, for both real estate and mortgages, with an emphasis on San Diego.
Now, you're on my website and you filled out the form, you're probably looking for today's mortgage rates or maybe San Diego mortgage finder and I wanted to create this video, this is educational video to help direct you on the right path of where to go.
Licensed in the state of California for doing both real estate and mortgages, with an emphasis on San Diego.
Now, you're here because you fill out a form on my website, maybe about today’s San Diego’s mortgage rates, maybe about San Diego’s mortgage finder and that's what this educational video is all about.
Now, this will be Q. and A.
There's another video probably on this page or via e-mail or use social media, where ever you're seeing this, we kind of broke down more of why I’m doing this versus just a rate and kind of the different mortgages.
So, if you're looking for your mortgage rate, just like I said any other video, go to bankrate.com.
They'll tell you,
“here’s what it is for thirty year, here's what it is for five year, here's a V.A, here's this, here's that”
and then you'll see an asteroid and then it'll say,
“if your credit score is about hundred, if you make a million dollars a year,
if you're debt income ratio is ten percent, if your blah, blah, blah.”
And you're like, okay, so let's not ruin my rate then.
Licensed to the state of California, for both real estate and mortgages, with an emphasis on San Diego.
Now, I wanted to shoot this unprofessional, kind of off the cuff video, because I know right now you're on my Facebook page or of YouTube or Twitter or Pinterest or Google Plus or wherever you are in the socials.
And you've heard about things or maybe you've gone to my website, sandiegorealestatehunter.com and like, “you know what? I want to buy a house, I want to buy a condo or I want to buy a town home but I don’t really have any money”.
And you've probably done some research, you've seen things like there's a platinum program available or there's [Cal H.F.A] or there's M.C.C. tax credits or first time home buyer programs there’s down payment assistance, there’s closing cost assistance, the [inaudible 00:01:03] Housing Commission, the [inaudible 00:01:04] fund, the one percent down, two percent equity match, blah, blah, blah.
It gets confusing and you're probably thinking,
“This is way too confusing for me, like I really don't have any idea what's going on and the more I read the more you confuse. All I know is, I want to deal with somebody that knows what they're doing.”
So, I wanted to create this video, because I totally get it.