Which documents do you need to submit to your mortgage lender? At the minimum, you will need: 2 current pay stubs 2 current bank statements 2 current tax returns Be prepared with your employer’s name, address, and phone number of the human resources department. In addition, you will need your la
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11/18/2014
Check your FICO score at www.MyFico.com The FICO score is a number between 300 and 850 that lenders use to determine your credit risk. Scores are calculated based on payment history, debts owed, and the types of credit used. However, you can get a free FICO score from 1 of the credit bureaus wit
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11/14/2014
Article as published in The San Diego Realtor® magazineBy Regina P. BrownLast month, we started our tour of Gourmet Kitchens Part 1, including room layouts, cabinets, counters, and major appliances. Now we finish our tour of Gourmet Kitchens with Part 2: exploring the sinks, faucets, lighting,
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11/11/2014
Article as published in The San Diego Realtor® magazineBy Regina P. BrownThe kitchen is the heart of the home; the place where families gather, hosts entertain, and generations pass on traditions. And yeah… we cook food there too! Kitchens are often the most decisive room for buyers shopping fo
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11/10/2014
Do not be fooled by ads on television that make you think they will give you a free credit report. There is always a catch! The government requires the credit reporting bureaus to provide 1 free report each year, and they provide a web site where you can get a free report without any strings at
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11/10/2014
Article as published in The San Diego Realtor® magazine, pages 12 & 25.By Regina P. BrownWhen taking a listing, how do you describe exquisite and unusual custom doors? When viewing a listing with your buyers, can you determine whether the doors are robust and high quality? Last month we discuss
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11/07/2014
Article as published in The San Diego Realtor® magazine, pages 20-21.By Regina P. BrownPart 3 or 3In Part 2, we learned about “green” walls, flooring, HVAC systems, attics, and ceilings. Today we continue with Part 3: Windows, lighting, fixtures, appliances, plumbing, electric, fireplaces, roof
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11/06/2014
Article as published in The San Diego Realtor® magazine, pages 20-21.by Regina P. BrownHistoric homes, often built over a century ago, capture the essence of a significant time period in history, or were inhabited by famous people. Vintage homes are revered for their character, charm, and unique
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11/04/2014
This category includes homes that do not meet the traditional construction types. For example, a geodesic dome constructed from a kit, a houseboat, or a mobile home with stick-built additions. Other non-traditional types of housing include coops (housing cooperatives) in which the homeowners on
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10/27/2014
AUDIO BOOK GIVE-AWAY: Who wants a FREE copy of my audio book, "Buy Your First Home" for yourself or your client? Our book producer gave me a few codes to gift (to people who are willing write a review). If interested, please email me - only the first 5 people will receive this great gift of 7.5 h
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10/23/2014