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10850 Hartley Road, Santee, CA
Blog
JOHN AGUIRRE
Aug 191 min read
Can I finance the buyer's agent (realtor) commission?
In light of the recent industry changes there is going to be a lot of informaion out that is frankly confusing. In order to help with...
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JOHN AGUIRRE
May 242 min read
What's messing with the rates these days?
There are more factors affecting interest rates then anyone can reasonably keep up with. The most prominent as of late is inflation and...
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JOHN AGUIRRE
Mar 151 min read
Round 2: Dream-for-All Fact Sheet
Program Highlights Offers up to 20% for down payment or closing costs, not to exceed $150,000 Homebuyer must register for a voucher. A...
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JOHN AGUIRRE
Mar 91 min read
LOT LOANS FOR SELF-EMPLOYED BORROWERS
THIS PRODUCT IS SPECIFICALLY CREATED FOR BORROWERS WHO ARE UNABLE TO RECEIVE APPROVALS FROM TRADITIONAL LENDERS FOR VACANT LAND
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JOHN AGUIRRE
Jan 51 min read
How to submit a Condo Project for FHA Approval
Condo guidelines feel like they're ever changing and pursuing approvals can be an arduous task to undertake, which is why frankly most...
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JOHN AGUIRRE
Dec 20, 20231 min read
Sales Comparables for VA Manufactured Housing
Long story short: as of 12.20.2023 The VA has removed all language from their handbook stating what comparables can/canot be used in the...
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JOHN AGUIRRE
Oct 30, 20231 min read
Got Land ?
I am super excited to announce that we now have the ability to originate land loans. As many of you have probably found, there is but a...
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JOHN AGUIRRE
Oct 24, 20231 min read
Transfer Taxes and Florida
What most people would categorize as a "transfer tax" is labeled as a Documentary Stamp Tax in FL. Documentary stamp tax is due on a...
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JOHN AGUIRRE
Oct 24, 20231 min read
Transfer Taxes and San Diego County, CA
San Diego County Ordinance: This chapter imposes a tax on each deed, instrument or writing by which any lands, tenements, or other realty...
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JOHN AGUIRRE
Aug 30, 20231 min read
Will temporary leave/disability cause a mortgage to be denied?
Not a yes or no question but one that depends on a few factors. What is the total time you will be out of work and are you guranteed the...
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JOHN AGUIRRE
Aug 28, 20232 min read
Buy-Before-You-Sell loan program
I'll be honest, this program is a bit like dealing with a loan shark bookie in the back of a mechanic shop with a goon on each side of...
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JOHN AGUIRRE
Aug 14, 20231 min read
8.14 - Rates likely to be at worst point of year
Ways to under stand the chart. As bond price goes up = rates improved As bond price goes down = rates deteriorated. As of this morning,...
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JOHN AGUIRRE
Aug 7, 20231 min read
Rate Update 8.7.2023
Things affecting rates this week: CPI coming out again thursday, can push rates in either direction. Remember, higher inflation = higher...
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JOHN AGUIRRE
Jul 24, 20232 min read
Can a veteran and non-veteran be on a VA loan together?
Yes! If the veteran is attempting to qualify for a VA loan with someone other than the spouse, this loan would be considered a joint VA...
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JOHN AGUIRRE
Jun 5, 20231 min read
Mortgage Market 06/05
Mortgage bonds opened sharply lower this morning as investors start to wonder about who is going to buy the approx. $1 trillion of US...
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JOHN AGUIRRE
May 15, 20232 min read
What are Mortgage Points?
Mortgage points, also known as discount points, are fees paid to a lender at the closing of a mortgage loan in exchange for a reduced...
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JOHN AGUIRRE
May 8, 20231 min read
5.8.23 -RATE WATCH
What's going on and why does it matter? The economic calendar this week is all about the consumer inflation numbers scheduled for release...
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JOHN AGUIRRE
Apr 17, 20231 min read
HOUSING DEMAND APRIL 2023
1 The demand for housing among first-time homebuyers has been consistently high over the past few years, with more buyers searching for...
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JOHN AGUIRRE
Apr 13, 20232 min read
Certified Mortgage Planning Specialist
A Certified Mortgage Planning Specialist (CMPS) is a professional who has earned a credential from the CMPS Institute, which is a...
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JOHN AGUIRRE
Apr 12, 20232 min read
The infamous "no-closing-cost" mortgage. Fact or Fiction ?
More often than not, a no-closing-costs mortgage means that the bank will cover its own fees, such as processing, underwriting, and...
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