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 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. 

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.

May 17, 2018

3 Reasons to Hire Me as Your San Diego Real Estate Buyers Agent (2018 Update)

Dear Reader,

Hey, what’s going on?

It’s Scott Taylor, with sandiegorealestatehunter.com.

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

Now, with a lot of choices to represent you as a buyer’s agent, I want to give you three reasons why I'm the perfect San Diego buyer's agent for you.

#1,

I have real estate investing experience.

Look, I'm not one of these big box, websites with one of these big box agents that have a key and they open doors and they will show you a few places and they’ll answer a few emails.

But they don’t really know what's going on, right.

Let's be honest, they don’t really know what's going on.

They’re making hundreds of phone calls; it's called diamond for dollars.

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May 16, 2018

3 Myths About Saving For Your San Diego Down Payment (2018 Update)

Dear Reader,

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 had an interesting phone call just now and I got off and wanted to come here and shoot just a very quick video, because I think sometimes we forget.

There's so much information out, there so many opinions, there's somebody says do this and to do that and you read about this and you read about that.

So, I want to create a video; the three myths about saving money for your San Diego mortgage. 

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May 15, 2018

DPA FTHB Roundup Video Explainer (2018 Update)

Dear Reader,

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.

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.

Guess what?

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.

Guess what?

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.

Your Roundup Video Explainer,

Scott

Recommended Next Steps:

May 13, 2018

Todays San Diego Mortgage Rate Finder (2018)

Dear Reader,

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, 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.

Now, if you're just looking for,

“hey, what's my rate?”

you can go to a website like bankrate.com, right.

You go and say,

“hey, here's a rate for a thirty year fix, here's a rate for a five one arm, here's a rate for thirty year F.H.A, here's a rate for jumbo.”

Guess, what there's an asterisk and that asterisk says,

“if you meet this criteria, right, you have to read it, read it, read it, read it, read it, read it, read it and your like, wait a minute, so that's not really going to be my rate, right.

Or you’re thinking, “what’s an FHA loan, or a conventional loan or jumbo loan and like blah, blah, blah.”

So, I kind of wanted to create this video, to kind of be like, hey, there isn't really a rate, okay.

The rates vary and you have to meet specific guidelines to get those rates and I want to create this kind of lump it together, as like your mortgage finder.

Because there are so many different mortgages; you have no idea how many mortgages there are and I wanted to try and simplify.

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May 12, 2018

San Diego FHA Mortgage Loan (2018 Update)

Dear Reader,

If you’re starting to look for a house, then you know the importance of getting the right type of mortgage loan.

While I have mentioned all the different types of loans that you can get on my blog, you may still need some help deciding which type of mortgage loan is right for you.

Let’s start talking about the FHA mortgage loan.

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May 6, 2018

San Diego County CA Conforming Mortgage Loan Limits (2018 Update)

San Diego County CA Conforming Mortgage Loan Limits for 2018

Dear Reader, 

Home mortgage loan limits are announced for the upcoming year each November.

This year they increased for the first time in many years.

Keep reading for details on what you need to know about loans and limits for 2018 in San Diego County.

Loan Types 

When you are looking for your own home, you may need a loan to be able to afford it.

There are a few different types of loans that you will have to know about, in order to make an informed decision.

Here’s a look at some of the loan types that you should be aware of.

These can help you know what type you are eligible for and what type you’ll need, depending on how much your house costs and the neighborhood you plan to live in. 

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May 6, 2018

3 Hot San Diego Real Estate Investing Strategies (2018 Update)

Dear Reader,

Hey, what’ 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 hear a lot of growing going on in San Diego, that there's no good real estate investments anymore you can't fix and flip or you can't create value.

Now, backtrack a little bit;

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May 4, 2018

Todays San Diego Mortgage Rate Finder Q & A (2018 Update)

Dear Reader,

Hey, what's going on?

It’s Scott Taylor with sandiegorealestatehunter.com.

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.

So, how do I figure this stuff out?

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May 2, 2018

San Diego Down Payment Assistance Programs (2018 Update)

Dear Reader,

Hey, what's going on?

It's Scott Taylor with sandiegorealestatehunter.com.

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.

I totally get this stuff can be confusing.

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May 2, 2018

How Much Money Do I Need Down For a San Diego Mortgage (2018 Update)

Dear Reader,

Hey, what’s going on?

Scott Taylor with sandiegorealestatehunter.com, licensed in the City of California for both real estate and mortgages with an emphasis on San Diego.

Now, there is a common question that people call me and text and e-mail and says,

“Hey, how much money do I actually need to put down to get a regular mortgage?” because there's a lot of misinformation out there.

So, I wanted to shoot a quick video to kind of break it down.

And let’s use this for San Diego as a for instance, so we have some hard numbers, so you know what to do. 

If you go with a V.A. loan and you're a veteran, active or past, you can go zero down.

Probably the best loan that you could do, is a V.A. loan.

Besides that, you can do what’s called a U.S.D.A mortgage; if you bought in [Fall Brick] of [Juliet] or Ramona or Santa Isabel.

You can also go zero down for that.

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