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, the most creative home loan options, and detailed case studies on how you can buy your next home CHEAPER, sell it for MORE money, and take advantage of little known down payment assistance options (and first time home buyer programs). 

Here's 5 of the most popular real estate and mortgage related articles for 2020 | 2021

Our 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. 

Scott

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April 9, 2020

5 Reasons Why A San Diego PiggyBack 80-10-10 Mortgage Loan Is Right For You (2020 | 2021 Update)

5 Reasons Why A San Diego PiggyBack 80-10-10 Mortgage Loan Is Right For You (2018 Update)

Looking for a loan may feel really hard at times.

It’s hard for some people to figure out which types of loans are really going to work with their life.

In order to help you narrow down the choices, we’re going to give you 5 reasons why the piggyback loan type might just be the right fit for you.

This is just the tip of the iceberg though.

If you find yourself interested in learning more, then you’ll want to check out the main article about the loan, the pros and cons this loan type, and the answers to some of the most common questions about the piggyback loan.

In addition, you will want to know about the loan limits that are associated with this loan.

They are a little bit complicated, which is why we have created an article just about it.

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April 9, 2020

5 Reasons Why A San Diego USDA Mortgage Loan Is Right For You (2020 | 2021 Update)

5 Reasons Why A San Diego County CA USDA Mortgage Loan Is Right For You

What is an USDA mortgage loan?

USDA Loans or US Department of Agriculture Loans are offered on the purchase of properties located in rural areas of the country. USDA Loans, which are also known as “USDA Home Loans”, “Rural Housing Loans”, or “Section 502 Loans”, are offered to eligible rural and suburban home buyers who are looking for a no-money down, 100 percent mortgage financing for their primary homes. 

USDA loans are insured by the US Department of Agriculture and are best-known for their ‘no-money down’ financing feature. These are designed to help low to moderate income households purchase a home in a USDA-specified rural area. The USDA Home Loan Program offers 100 percent financing for all approved submittals, and besides VA Loans, it is the only loan program in the US that requires no down payment.

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April 9, 2020

5 Reasons A San Diego FHA 203(k) Construction Mortgage Loan Is Right For You (2020 | 2021 Update)

When it comes to trying to renovate a home, you may not be able to afford everything up front.  

If you’ve been looking for a loan in order to make changes to your home, then the 203(k) loan might be right for you. 

These reasons will help you figure out whether or not you really want to get this kind of loan, but in the case that you are interested then contact me or read more about the 203(k) loan or both.

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April 9, 2020

National City San Diego's Best 17 Restaurants in 2020 | 2021 (Updated)

National City San Diego's Best 17 Restaurants in 2017

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.

But, you don't just move into a new home just because of it's waterproofing, tree services, tiling services, or concerns with utilities. 

That's why we scour Yelp, Tripadvisor, Opentable, ask around, and eat out to our hearts content to find the most yummy local restaurants to recommend to our valued clients.

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April 9, 2020

4 Reasons Talmadge San Diego Is a Great Place to Live in 2020 | 2021

4 Reasons Why Talmadge San Diego Is a Great Place to Live in 2018

Looking for a new home in an area with a touch of old California glamour and plenty of community spirit?

Then you won’t want to miss out on the homes of Talmadge. 

The area was named for silent movie stars Norma, Natalie, and Constance Talmadge. The neighborhood was established in 1925 and largely funded by the president of United Artists, who was married to Norma. 10,000 people came to the dedication ceremony, including other Hollywood stars including Natalie’s husband, Buster Keaton.

Located in the Mid-City region of San Diego, Talmadge sits near affluent Kensington and trendy City Heights with scenic canyons bordering the north and west sides. There are a number of single-family homes with large yards.

Its central point is the Talmadge traffic circle and the entrance is marked by majestic gates dating back to 1927 that will make any lucky homeowner proud to drive through after a long day at the office.

That’s not the only reason, though, why you’ll want to make Talmadge a must-see during your real estate hunt.

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April 9, 2020

5 Reasons Alpine San Diego Is a Great Place to Live in 2020 | 2021

5 Reasons Why Alpine San Diego Is a Great Place to Live in 2019

Those seeking a home in California may not have heard of Alpine, but they should learn about it. Alpine, located in San Diego County, has a lot of advantages that are attractive to newcomers. There are some obvious benefits that everyone in San Diego enjoys, like the weather and proximity to the beach. However, Alpine has its own personality that many find makes it a special place to call home.

Alpine has a population of 14,830, so it is a smaller community compared to some of the others in the area. Its name is rather unusual, given the fact it is in one of the most moderate climates of California. The name was a suggestion from a resident in the 1880s. The resident, who was from Switzerland, said the area reminded her of her homeland as there are lots of mountains surrounding it.

The schools are highly ranked and most statistics state is has a decent nightlife. However, most of that targets more families and middle-aged adults and includes things like restaurants and shopping.

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April 9, 2020

5 Reasons Why a San Diego VA Mortgage Loan Makes Sense (2020 | 2021 Update)

5 Reasons Why a San Diego VA Mortgage Loan Makes Sense (2018 Update)

If you’ve been looking for a loan that will fit you, then I would suggest that you take a look at the VA loan.  

If these reasons apply to you, then take a look at the specifics of a VA loan, or look at the pros and cons of the loan.

If you would like to see the kind of loan limits that you’ll get if you get a VA loan, then check out our post explaining the limits.

If you find that a VA loan is really the loan for you, then contact me and I’ll help you get started on finding that perfect home in San Diego.

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April 9, 2020

5 Low/No Down Payment San Diego Mortgage Loan Secrets Revealed (2020 | 2021 Update)

5 Low/No Down Payment San Diego Mortgage Loan Secrets Revealed (2019 | 2020 Update)

Considering San Diego’s high rents, mortgage payments have the advantage of building equity while putting a roof over your head. Don’t count yourself out of the housing market just because you don’t have a 20% down payment on hand, though.

There are a variety of no or low down payment options provided through both the State of California and the federal government designed to get low- and middle-income buyers into the market.

According to a recent article in the San Diego Union Tribune, the Federal Housing Finance Agency raised the maximum loan size for mortgages acquired by Fannie Mae and Freddie Mac 6.8%. In San Diego’s high cost market, that translates to an increase from $612,950 to $649,750. This means more options for buyers using low/no down payment mortgage loan programs.

Here are a few secrets you may not know about low/no down payment mortgage loans.

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April 9, 2020

5 Crucial Facts About San Diego FHA Mortgage Loans (2020 | 2021 Update)

5 Crucial Facts About San Diego FHA Mortgage Loans (2019 Update)

With the value of real estate in San Diego being as high as it is and predicted to rise, the thought of scraping together a 20% down payment is intimidating to many potential buyers.

Fortunately, FHA mortgage loans were designed specifically with these borrowers in mind.

Discover how you can secure an FHA mortgage loan and establish your own place in the booming San Diego housing market.

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April 9, 2020

4 Ways To Pay Closing Costs On Your San Diego Mortgage (2020 | 2021 Update)

Hey, what’s going on?

It’s Scott Taylor with sandiegorealestatehunter.com.

Licensed in the state of California for both real estate and mortgages, with an emphasis on San Diego.

Now, I get a phone call from an angry person that was talking about a no cost refinance and wanted to explain to me how there was no cost in closing costs in their mortgage.

And I said, if you're confused about this [no offense], a lot of people are confused.

There is no such thing as no cost and that's why I think quotes. 

So, I want to shoot a very quick video on the four different ways that closing costs can be paid,

because guess what?

There’s a lender fees, and escrow fees, and title fees and transfer fees etc.

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