Carmel Valley:A New San Diego Community
Carmel Valley is a master planned community in the north coast area of San Diego, CA. Located approximately 17 miles from downtown San Diego, this neighborhood is a mix of single family homes, multi-family residences, commercial, hotels, and restaurants. Carmel Valley is one of the newer areas of San Diego. Carmel Valley turns 20 years [...]
Conventional High Balance Loan Options In California
Conventional high balance is a term the stands for home loans over $417,000 up to the specific county conventional loan limit. Each California County has their own conventional (Fannie Mae) loan limit. For example, Los Angeles County’s conventional loan limit is $625,500. So a loan between $417,000 and $625,50o would be considered a conventional “high [...]
Cardiff-by-the-Sea Awaits
My husband and I celebrated our 14 year anniversary yesterday. This year I really wanted to celebrate it where our relationship had its’ beginnings, Cardiff-by-the-Sea, California. A beach town located in Encinitas and governed by Encinitas, which is a city of San Diego County, Cardiff-by-the-Sea is usually referred to Cardiff. It is just 20 miles [...]
VA Cash Out Refinance Loan to 95% Property Value
A very flexible option about getting a VA refinance loan is that you can go up to 95% of the value of your property with a cash out refinance. You do not have to have a VA loan currently to go up to 95% of your property value. A VA cash out refinance is different [...]
Coronado Island Has It All
Coronado Island, Spanish for “The Crowned One”, is an area of San Diego. Located across from the San Diego bay, Coronado has world famous beaches, resorts, shopping and restaurants. In 2012, Coronado beach was named the No. 1 beach in the United States. Clean, deep, and white, with gorgeous views of both the Pacific Ocean [...]
Conventional Home Loan Limits in California
The term “conventional loan” mainly refers to loans that are made by lenders and then purchased by Fannie Mae. These loans are different than FHA and VA loans. Conventional loans have their own set of guidelines and rules that are different from FHA and VA home loans. This article is going to discuss conventional loan limits [...]
Conventional vs. FHA Home Loans In California
There have been some recent changes to FHA home loans that have made conventional home loans more attractive for home buyers today. These changes all revolve around the mortgage insurance required on FHA home loans. Below are some of the facts about FHA mortgage insurance: FHA home loans have raised the monthly mortgage insurance rate [...]