North County San Diego Mortgage Expert

Follow me
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.
VA Home Loan Fast Facts For San Diego County, Part ThreeWho takes care of the Pest Inspection and repairs? Veterans cannot pay for the actual pest inspection report. However, either the buyer or seller can pay for the actual repairs. Keep in mind that VA typically only requires that Section 1 (ob...
VA Home Loan Fast Facts For San Diego County, Part TwoHow is the VA Funding Fee determined for a purchase loan?  The VA Funding Fee is a percentage of the base loan (purchase price minus any down payment) and depends on the type of military service, down payment percentage, and whether or not VA ...
VA Home Loan Fast Facts For San Diego County, Part OneWho is eligible for a VA home loan? Active Military, Retired Military, Coast Guard, National Guard, and in some cases the Surviving Spouse. What is the maximum VA Zero Down Home Loan Limit? The San Diego County VA Zero Down home loan limit for...
Bankruptcy, Short Sale and ForeclosureWhat are the waiting periods to be eligible to purchase a new home?Although the housing and mortgage crisis was felt initially by many in 2007, many other homeowners and potential homeowners were able to keep their heads above water for several years by cashi...
Buying A First Home, Location Is One Thing, But Preparation Is AnotherWe all know the old line about location, location, location. But buying a home, whether it's your first home or your twentieth home, also takes research and preparation.How much can you comfortably afford?After deciding that yo...
Managing your credit scores and keeping them high enough to qualify for a home loan can be easy if you have always had good credit, and challenging if you have had some blemishes.  Recent tallies show a third of U.S. credit scores are below 649. Many lenders will lend down to a score of 580 for F...
San Diego County FHA Loan Limits Increasing For 2016The FHA Loan Limits for 2016 were released this month and the maximum FHA loan limit for forward mortgages originated in 2016 has been increased for San Diego County.  San Diego County's FHA loan limit will match the recent Fannie/Freddie increa...
San Diego High Balance Conforming Loan Limits Increasing for 2016  The Federal Housing Finance Agency (FHFA), which sets the San Diego loan limits for loans purchased by Fannie Mae (FNMA) and Freddie Mac (FHLMC), announce that the San Diego High Balance Conforming Loan Limit is increasing from $5...
VA Home Loan Limits For 2016 Increasing for San Diego CA - The VA Zero Down Loan Limits for 2016 have been announced and San Diego County is seeing a slight increase from $562,350 to $580,750.  The new limits apply to all VA purchase and VA cash-out refinances closed from January 1, 2016 through ...
 San Diego CA - The Department of Veterans Affairs (VA) home loan program does not charge mortgage insurance, unlike an FHA insured loan or a Fannie Mae/Freddie Mac loan with less than 20% down payment. However, in order to defray the cost of administering the VA Home Loan program, the VA does ch...

Kevin Kueneke

San Diego Mortgage Banker
Email me for San Diego mortgage information