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  • Thrive Realty Blog

    Tuesday, April 29, 2014   /   by Durrell Thomas

    The 6 Most Essential Homebuyer Tips | North San Diego County


    Get a Home Inspection
    91.4 percent of agents say this is a very important tip.
    0.54 percent of agents don’t recommend this tip.
    The tip: Get a home inspection to evaluate the safety and overall condition of your new home, even if it appears flawless.

    Get Preapproved for a Loan
    89.0 percent of agents say this is a very important tip.
    0.78 percent of agents don’t recommend this tip.
    The tip: Before you start house hunting, get preapproved for a mortgage loan.

    Communicate Through Your Agent
    89.0 percent of agents say this is a very important tip.
    0.27 percent of agents don’t recommend this tip.
    The tip: When you want to ask or tell the seller something, always go through your real estate agent.

    Put the Deal Into Writing
    87.5 percent of agents say this is a very important tip.
    0.83 percent of agents don’t recommend this tip.
    The tip: Get the seller to put every component of the deal and any verbal agreement into writing.

    Include Con ...

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    Monday, December 30, 2013   /   by Glenda Meyer

    Glenda Meyer - 4 Keys to Homebuying Success - San Diego County Home Loans

    Are you getting ready to buy a home? Here are four keys to being prepared to make your first offer.

    1. Know what you can afford and how much cash you will need. Knowing what you qualify for before looking at any homes will save you the disappointment that can come from falling in love with a home that's out of reach. We'll be happy to "pre-qualify" you now so you'll know what will work later.
    2. Know where you want to be. Learn about the neighborhood before you make an offer to buy. Sample the commute. Talk to would be neighbors. See the schools, shops and services before you start negotiating.
    3. Choose your property type. Consider your range of choices: single family, multi-family, townhome, condo, co-op, new construction, etc. Know the pros and cons of each. Decide which is best for you, and define your search accordingly.
    4. Obtain a valid pre-approval before you make an offer. This entails document verifica ...

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    Monday, December 23, 2013   /   by Glenda Meyer

    Glenda Meyer - Is it better to rent or buy? - San Diego County Home Loans

    One thing I love about the mortgage business is that numbers never lie.
    Yet, so many prospective home buyers I meet end up making critical judgment errors based on faulty assumptions and faulty math. I want to make absolutely sure you do not fall into these traps.
    Theory: Waiting to purchase a home in hopes of a drop in purchase price is always a good idea.
    Reality: Sometimes this strategy pays off. Many times, it financially backfires.
    So, how do you know which approach is correct?
    Is It Better to Buy or Rent?

    Whether renting is better than buying depends on many factors, particularly how fast prices and rents rise and how long you stay in your home. Compare the costs of buying and renting a home in the calculator below. Click the advanced settings button to change inputs such as your rate of return on investments, condo/common fees and your tax bracket.
    Did you know how easy it is to find out your purchasing pow ...

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    Monday, December 16, 2013   /   by Glenda Meyer

    Glenda Meyer - Annual Credit Report Review - San Diego County Home Loans

    Have you ever reviewed - in granular detail - your credit report? Here are a few tips that can help make sure you’re in prime position for mortgage approval - and receive the best terms and conditions possible:
    Avoid The “Free Credit Score” Traps: Even though you likely see a myriad of advertisements for “Free Credit Scores” on television and the Internet, there is only one official website where you are entitled to receive a free copy of your credit report every 12 months. That website is http://www.annualcreditreport.com. On that site, and only that site, can you receive your credit report from the three major repositories (Experian, Equifax and Transunion). Note - this site also gives you the opportunity to pay for your credit score (as opposed to credit report). For this exercise, you don’t need to know your credit score so I suggest you pass on purchasing your credit score.   
    Contact me  ...

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