North County San Diego Mortgage Expert

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Mortgage and Lending - Caliber Home Loans - NMLS#284800
Working in the San Diego housing market over the past 20 years has been interesting and exciting to say the least. Technology has not only changed the way you shop for homes, but also the way you shop for a mortgage. However, this is still a "press the flesh" business and it is important to get to know your Realtor and your lender.

ARCHIVED BLOG POSTS

2008 

It was announced this evening that Washington Mutual was closed by the U.S government in what is the largest U.S. bank failure in history.  The Federal Deposit Insurance Corp was named receiver and stated that "customers should expect business as usual on Friday, and all depositors are fully prot...
09/25/2008
The home buying landscape is significantly different than this time last year.  For those of us in the industry, this is obvious. The media has mentioned this in countless articles and news broadcasts, but there are still many homeowners looking to buy a new home that expect to get the same loan ...
09/25/2008
I recently wrote a post about FNMA's underwriting guideline change regarding retaining a principal residence as a rental when buying a new home.  The gist of the new guideline is that the retained property needs to have a minimum of 30% equity in order for rental income to be used to help qualify...
09/25/2008
Like many mortgage companies, we hold a weekly meeting to exchange ideas and opinions about the ever changing mortgage market.  We cover guideline changes, industry news, you name it, all in an effort to stay as current as possible.  One of my co-workers, Paul Gonzales, wrote a fantastic article ...
09/11/2008
A recent and very important change in lending guidelines regarding cash out refinances is starting to rear its ugly head.  Bottom line is that cash out refinances are now not allowed within the first six months of a purchase transaction for all occupancy types. How does this change affect your bu...
09/10/2008
By now, most everyone has heard of the announcement made last Sunday that the government is officially bailing out Fannie Mae (FNMA) and Freddie Mac (FHLMC), the two mortgage giants that own or guarantee about $5 trillion in home loans.  Both CEO's are being replaced and the new heads will report...
09/08/2008
My esteemed colleague, Paul Gonzales of CW Mortgage, wrote a great post the other day regarding shopping for a loan and the importance of comparing similar information.  I have received countless calls that start with the same general phrase, "I am shopping for a home loan.  What is your rate?"  ...
09/05/2008
I was reading an article by Laura Rowley on Yahoo Finance the other day regarding the importance of being prepared for potential natural disasters.  It reminded me that many people that live in Southern California have some sort of emergency disaster kit stashed away in their garage.   A typical ...
09/05/2008
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Kevin Kueneke

San Diego Mortgage Banker
local_phone(760) 500-1919
smartphone(760) 500-1919
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