Think You Need 20% Down to Buy a Home? Think Again

home buyers

Digital Risk recently polled Millennials about the housing market. Among their findings was the fact that nearly two-thirds of the generation who has recently purchased a home has done so with less than 20% down; in fact, 36% had a down payment of less than 5%! Here is a graph detailing the results: This means that more and […]

Is Now the Best Time to Rent a Home?

rent property

People often ask whether or not now is a good time to buy a home. No one ever asks when a good time to rent a home is. However, we want to make certain that everyone understands that now is NOT a good time to rent a home. The Census Bureau just released their second quarter median rent numbers. […]

Why Renters Should Stop Paying the Landlord’s Mortgage

rent a home

When pressed, there are people who might say that they have not purchased a home because they are uncomfortable taking on the obligation of a mortgage. However, everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgage—either your mortgage or your landlord’s mortgage. According to representatives at Harvard […]

Hey Home Buyer, Want $8.00 a Day?

home buyer

More first-time homebuyers are joining the housing market now than in the last few years. Not only are renters entering the housing market, but many first-time buyers include Millennials (born between 1981 – 1997). Are one of the many in this generation who sees your friends and family joining the real estate market? Do you […]

Why You Need to Sell Your Home Now

escondido real estate

If you are a homeowner who is debating putting your house on the market this year, don’t miss out on the great opportunity taking place in our real estate market right now! The latest Existing Home Sales Report from The National Association of Realtors® (NAR) reveals that the inventory of homes for sale has dropped to […]

You Don’t Need 20% Down to Buy a Home


A recent survey by Ipsos found that the American public is still somewhat confused about the types of requirements to obtain a mortgage loan in today’s housing market. The study pointed out two major misconceptions that we want to address today. Down Payment The survey revealed that consumers overestimate the down payment funds needed to qualify for […]

The Truth About Your Credit Score

sold homes

A credit score is precious. You need to protect your credit score like you do your children. However, there are many common myths about credit scoring and credit scores. Check out the infographic below which debunks the most common myths about credit scores. And, if you are seeking a lender to help you get qualified […]